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 The Plantation, Ponte Vedra Beach — a Ponte Vedra Beach golf community home.

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Active

Active·393 days on market·The Plantation

105 Middleton Place

Ponte Vedra Beach, FL 32082

$2,975,000$514/sqftEst. $15,295/moMLS# 2101713

Beds

Baths

5,788

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

The Plantation

HUGE PRICE REDUCTION! Experience luxury living at 105 Middleton Place--a stunning 3 bedroom plus office (could be 4th bedroom), 4.5-bath estate featuring a versatile flex room & a spectacular tiered home theater. Perfectly positioned within the exclusive Plantation at Ponte Vedra Beach this elegant residence captures breathtaking panoramic views of a sparkling lake, the 4th green & the 5th tee--framed by dramatic walls of glass that bring the outdoors in. From the moment you arrive sophistication surrounds you. A circular driveway, graceful fountain & grand entry set the stage for the timeless beauty that unfolds within. Step through the doors to discover soaring ceilings, detailed moldings & expansive living spaces designed for both relaxed living & effortless entertaining. See More....

Cost to own

Mortgage calculator

Home Price

$2,975,000

Down Payment: 20%

$595,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$15,295

Principal & Interest: $15,295

Property taxes (est.): $3,959

Insurance (est.): $1,983

Estimated Total Monthly

$21,237

*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$15,295

Property taxesest. at asking price, St. Johns County$3,959

HOAbilled monthly$2,022

Estimated total, before insurance$21,275/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$12,954/yr · $1,080/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$2,046,921	$1,031,921	—
2024	$1,966,360	$1,002,131	—
2023	$1,988,492	$971,486	—
2022	$1,442,366	$941,734	—
2021	$1,165,455	$912,849	—
2020	$1,080,601	$899,555	—

2024 property taxes (current owner): $12,954/yr

Estimated taxes if purchased at asking price: ~$47,500/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Concrete — year not disclosed (home built 2000)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,784 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

Aug 1, 2025Listed$2,975,000

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

Features

Price$2,975,000

Price / Sq Ft$514

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage5,788

Total Structure Area8,786 sq ft

Acres0.67 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Traditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

Direction FacesSoutheast

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address105 Middleton Place, 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 Size29,185.2 sq ft

Lot Dimensions205' x 170' x 120' x 200'

Parcel Number0669111040

ZoningSingle Family

Amenities

AmenitiesBasketball Court, Beach Access, Clubhouse, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Pickleball, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Water Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewGolf Course, Lake, Pool

Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Multi Units

FlooringCarpet, Marble, Tile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesDouble Sided, Gas

# of Stories2

LevelsTwo

SecuritySecurity System Owned, Smoke Detector(s)

Spa FeaturesHeated