Club Cottages of Fairfield

829 TOURNAMENT RD

Ponte Vedra Beach, FL 32082
For Sale $632,500
Price cut $639,000 ↓ $6,500 (1%) Aug 31
3 bd · 3 ba · Built 1991
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (nicole.neary@floridanetworkrealty.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

BRAND NEW ROOF! Enjoy lakefront views from this well-maintained 3 bedroom, 2.5 bath home in the desirable Fairfield community of Ponte Vedra Beach! Tucked away on a quiet cul-de-sac, this light-filled home features soaring ceilings, an electric fireplace, fresh interior and exterior paint, and an inviting feel throughout. Designed for comfortable everyday living, the home offers a dedicated office/den, first-floor primary suite, kitchen with breakfast nook, and a screened lanai overlooking the lake. Two additional upstairs bedrooms share a Jack-and-Jill bathroom. Recent updates include new carpet, updated lighting, A/C(2024), and hot water heater(2026). Fairfield residents enjoy a 24-hour manned guard gate, pools and hot tub, tennis and pickleball courts, basketball court, playgrounds, exercise room, clubhouse, walking paths, and RV/boat parking. Lawn maintenance is included in the HOA. Conveniently located near the beach, shopping, golf and dining.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $22,138
$5,804/mo
Principal & interest$4,266
Property tax (est.)$565
Insurance (est.)$474
FHA MIP$280
HOA dues$219
CDD assessment$0
Cash to close: ~$22,138 down · MIP financed
VA
$0 down
$5,697/mo
Principal & interest$4,438
Property tax (est.)$565
Insurance (est.)$474
VA fee (financed)$0
HOA dues$219
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $126,500
$4,734/mo
Principal & interest$3,476
Property tax (est.)$565
Insurance (est.)$474
PMI$0
HOA dues$219
CDD assessment$0
Cash to close: ~$126,500 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.39% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built1991
SubdivisionClub Cottages of Fairfield
Parcel (RE#)066207 2150
Legal description21/72-74 CLUB COTTAGES OF FAIRFIELD LOT 15 OR4012/635(TR/D)

Valuation · 2025

Value

Just / Market
$625,000
Assessed
$463,115
Taxable
$463,115
2025 Property Tax
$6,436
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$658 / Quarterly
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
1991-09-27 —

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Club Cottages of Fairfield? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Club Cottages of Fairfield every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
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On the Market

Homes for Sale in Club Cottages of Fairfield

Other active MLS listings in Club Cottages of Fairfield.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 829 TOURNAMENT RD?
The zoned public schools for 829 TOURNAMENT RD in Club Cottages of Fairfield are Ocean Palms Elementary School (elementary), Alice B. Landrum Middle School (middle), Ponte Vedra High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 829 TOURNAMENT RD?
The most recent annual property tax for 829 TOURNAMENT RD is about $6,436 (2025 tax year). Any CDD assessment is billed in addition.
What is the HOA fee for 829 TOURNAMENT RD?
Homes in Club Cottages of Fairfield have an HOA fee of about $658 per quarter (based on recent MLS listings).
What would the monthly payment be on 829 TOURNAMENT RD?
At about a 7.32% 30-year rate, the estimated monthly payment for 829 TOURNAMENT RD is roughly $4,734 with a conventional loan (20% down), $5,804 with FHA (3.5% down), or $5,697 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Club Cottages of Fairfield HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.