Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Ponte Vedra Beach — a new construction home in St. Johns County.

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Active Under Contract

Active Under Contract·566 days on market

84 Valley Gardens Road

Ponte Vedra Beach, FL 32082

$1,988,000$583/sqftEst. $10,220/moMLS# 2069426

Beds

Baths

3,411

Sq Ft

2026

Built

2.5

Garage

Pool

About this home

Ponte Vedra Beach

Located in the heart of Ponte Vedra Beach, Palm Valley Gardens offers a welcoming atmosphere within its quaint 8-lot community. Don't miss your opportunity to build custom with award-winning builder, Glenn Layton Homes. Lot 8 features The Magnolia House with charming coastal appeal. Inside, the open-concept living and kitchen area is highlighted by a large island and striking sliding glass doors leading to the spacious rear porch providing the perfect outdoor living space. The first floor private primary suite offers a generous closet and bathroom. The main level also includes a study and powder room. Upstairs, you'll find 2 bedrooms, 2 bathrooms and a bunk room. As priced the home features an oversized 2-car garage, high end finishes like engineered hardwood flooring, Thermador appliances, custom cabinetry, tile and trim work.

Cost to own

Mortgage calculator

Home Price

$1,988,000

Down Payment: 20%

$397,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$10,220

Principal & Interest: $10,220

Property taxes (est.): $2,645

Insurance (est.): $1,325

Estimated Total Monthly

$14,191

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$10,220

Property taxesest. at asking price, St. Johns County$2,645

HOAbilled quarterly$223

Estimated total, before insurance$13,088/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$425,000	$425,000	—

Estimated taxes if purchased at asking price: ~$31,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,552 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

As of July 2026, 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.

History

Price & status history

Jul 16, 2026Active Under Contract$1,988,000
Feb 10, 2025Listed$1,988,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,988,000

Price / Sq Ft$583

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,411

Acres0.50 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionTo Be Built

StatusActive Under Contract

# of Garages2.5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesNorth

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address84 Valley Gardens Road, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

Subdivision54 North Roscoe

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size21,780 sq ft

Parcel Number0655000080

ZoningPUD

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesOther, Dishwasher, Disposal, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryLower Level