Club Cottages of Fairfield

838 TOURNAMENT RD

Ponte Vedra Beach, FL 32082
For Sale $659,000
3 bd · 2 ba · 2,333 sqft · Built 1993
Bryce Spraggins — The HOA Collective
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See this home in person — Bryce Spraggins, The HOA Collective.

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 PONTE VEDRA COASTAL REALTY, INC. (piatt@bellsouth.net). 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

Discover a rare opportunity to own a beautifully updated single-story home in the desirable Fairfield community, just moments from the beach, golf, and all that Ponte Vedra Beach has to offer.
Thoughtfully designed with 3 bedrooms and 2 baths, this light-filled residence offers a comfortable and easy-living layout, ideal for both full-time living and a lock-and-leave coastal lifestyle. The home features spacious living areas, an updated kitchen with ample cabinetry and workspace, and a seamless flow to the outdoor living space.
Step outside to an extended patio overlooking picturesque lake perfect for morning coffee, evening gatherings, or simply enjoying the tranquil surroundings.
With its low-maintenance footprint, move-in ready condition, and exceptional value, this home presents a compelling opportunity for buyers seeking an entry into Ponte Vedra Beach living.
Priced to sell--this is one you won't want to miss!

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 · $23,065
$5,650/mo
Principal & interest$4,086
Property tax (est.)$597
Insurance (est.)$494
FHA MIP$291
HOA dues$182
CDD assessment$0
Cash to close: ~$23,065 down · MIP financed
VA
$0 down
$5,524/mo
Principal & interest$4,250
Property tax (est.)$597
Insurance (est.)$494
VA fee (financed)$0
HOA dues$182
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $131,800
$4,602/mo
Principal & interest$3,329
Property tax (est.)$597
Insurance (est.)$494
PMI$0
HOA dues$182
CDD assessment$0
Cash to close: ~$131,800 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.40% 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 built1993
SubdivisionClub Cottages of Fairfield
Parcel (RE#)066207 2230
Legal description21/72-74 CLUB COTTAGES OF FAIRFIELD LOT 23 OR3775/887

Valuation · 2025

Value

Just / Market
$650,000
Assessed
$327,065
Taxable
$276,343
2025 Property Tax
$3,882
Homestead Exemption
Yes $50,000 exempt

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

HOA Dues
$545 / Quarterly
CDD Assessment

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

History

Sale History

DatePriceDeed
1995-06-30

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, Licensed Real Estate Broker

List With Me

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

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Club Cottages of Fairfield every day. We're on a mission to make community management more affordable: every home we sell helps fund reduced-cost management software and services for HOAs through MyHOAClub.

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 838 TOURNAMENT RD?
The zoned public schools for 838 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 838 TOURNAMENT RD?
The most recent annual property tax for 838 TOURNAMENT RD is about $3,882 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 838 TOURNAMENT RD?
Homes in Club Cottages of Fairfield have an HOA fee of about $545 per quarter (based on recent MLS listings).
What would the monthly payment be on 838 TOURNAMENT RD?
At about a 6.49% 30-year rate, the estimated monthly payment for 838 TOURNAMENT RD is roughly $4,602 with a conventional loan (20% down), $5,650 with FHA (3.5% down), or $5,524 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.