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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in The Plantation, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Sold

Sold·Closed Oct 28, 2025·398 days on market·Recent sales in The Plantation·The Plantation

220 Settlers Row N

Ponte Vedra Beach, FL 32082

$2,950,000sold priceListed at $3,450,000 · 85.5% of asking$381/sqftMLS# 2048670
5
Beds
6.5
Baths
7,746
Sq Ft
2001
Built
4
Garage
Yes
Pool

19 more homes for sale in The Plantation →Search The Plantation on the map

HOA $1902/mo1.08 acresWaterfrontSingle Family Residence2 stories

About this home

The Plantation

REDUCED & READY TO SELL !!!. Beautiful lake views with a concrete retention wall, Private oceanfront pool & The Clubhouse including Golf, fitness, pickleball, pool. tennis & more....You have it all !! Custom, open floor plan & soaring ceilings. You have to see this home to appreciate the quality features, + Sparkling Pool , Spa, Summer Kitchen & Bath. Loaded with extra storage in the downstairs & upstairs, two laundry rooms, an elevator, two hot water heaters (Gas & Electric) Newer HVACs, exterior paint & more.....Come add your special touches to this home ...AN EXCEPTIONAL HOME !

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$16,340
Property taxesest. at asking price, St. Johns County$3,925
HOAbilled monthly$1,902
Estimated total, before insurance$22,168/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,950,000
$590,000
Loan Term
Monthly Payment
$16,340
Principal & Interest: $16,340
Property taxes (est.): $3,925
Insurance (est.): $1,967
Estimated Total Monthly
$22,232
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Concrete, Tile — year not disclosed (home built 2001)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,778 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $703/sq ft; this home is listed at $445/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
178 Muirfield Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Jun 2025$3,355,000$5165/56,497780.6
164 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Apr 2026$2,050,000$3554/55,776470.7
209 Plantation Circle, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PVMay 2026$4,229,000$5684/4.57,44630.8
1062 Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$3,920,000$7036/4.55,575321
993 Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$16,500,000$2,7794/5.55,9381341.1
1039 Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by BERRY & CO. REAL ESTATEJul 2026$22,200,000$2,5465/7.58,720101.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$3,450,000
Price / Sq Ft$445
Bedrooms5
Bathrooms6.50
Full Baths6
Half Baths1
Square Footage7,746
Total Structure Area11,029 sq ft
Acres1.08 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages4
Has PoolYes
Pool FeaturesIn Ground, Heated, Screen Enclosure
Is WaterfrontYes
Gated CommunityYes

School Information

Community Information

Address220 Settlers Row N, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionThe Plantation At Pv
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size47,044.8 sq ft
Parcel Number0669111102
ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Playground, Security, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Circular Driveway, Garage, Garage Door Opener
ViewGolf Course, Lake, Pool
Waterfront TypeLake Front, Seawall

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Wet Bar, Wine Cellar
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Split System, Zoned
FlooringCarpet, Marble
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Upper Level, Washer Hookup
Security24 Hour Security, Fire Alarm, Gated with Guard, Security Gate, Security System Owned, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesBalcony, Outdoor Kitchen, Outdoor Shower
Lot DescriptionCul-De-Sac, Dead End Street, Irregular Lot, On Golf Course, Sprinklers In Front, Sprinklers In Rear
Patio / PorchAwning(s), Covered, Front Porch, Patio, Rear Porch, Screened
RoofConcrete, Tile
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 25, 2024
Days on Market398
HOA Fees$1,902 / Monthly
HOA FrequencyMonthly
HOA NameThe Plantation at PV
HOA Fee IncludesSecurity, Trash
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About The Plantation

The Plantation is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all The Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 28, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines