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This home is in Ponte Vedra Beach.

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Active

Active·325 days on market

14 Palm Lane

Ponte Vedra Beach, FL 32082

$574,995Est. $2,953/moMLS# 2111173

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Garage

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About this home

Ponte Vedra Beach

Rare opportunity to own over a half acre (.52 ac) in the Palm Valley section of Ponte Vedra. This vacant land listing is for lot 17/18 located at 14 Palm Ln. (115' wide X 200' deep) with plenty of room to build your Ponte Vedra dream home! Schedule your showing today as this lot is priced to sell! Please see the additional listing for 16 Palm Lane as both lots are connected and available providing a total of .98 ac. sprawling over a regular shaped 215' wide X 200' deep configuration. Buyer to verify all measurements and perform all due diligence. Recent survey in pics. Please do not enter property without a verified appointment. Call today!!

Cost to own

Mortgage calculator

Home Price

$574,995

Down Payment: 20%

$114,999

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,953

Principal & Interest: $2,953

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,101

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,953

Property taxesest. at asking price, St. Johns County$765

Estimated total, before insurance$3,718/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,022/yr · $252/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	$265,034	$265,034	—
2024	$240,940	$240,940	—
2023	$240,940	$233,230	—
2022	$242,868	$212,027	—
2021	$192,752	$192,752	—
2020	$192,752	$192,752	—

2024 property taxes (current owner): $3,022/yr

Estimated taxes if purchased at asking price: ~$9,200/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: material not specified

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

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