This home is in Palm Valley Gardens, Ponte Vedra Beach.
Active·88 days on market·Palm Valley Gardens
140 N Roscoe Boulevard
Ponte Vedra Beach, FL 32082
About this home
Palm Valley Gardens
Set between the sea breeze and the sunset, this fully renovated Roscoe Boulevard retreat feels worlds away. Tucked beneath a canopy of oaks, this property captures the essence of Ponte Vedra living—where mornings begin with sunlight glimmering across the backyard pond and evenings end with golden skies over the trees. The setting feels secluded yet connected, with space to breathe and room to gather. Inside, the light-filled kitchen and family room open to sweeping views of the pool and pond, blending indoor comfort with the beauty of nature. Whether hosting friends or savoring quiet mornings, every moment here feels like home. Updates include a new roof (2021), Pella windows and doors, engineered white oak wood floors, and new pool equipment . The home spans 4,395 square feet with six bedrooms, four-and-a-half baths, and a four-car garage on 2.5 acres of privacy. Primary bedroom on the first floor. Chef's kitchen with Wolf appliances and Sub-Zero refrigerator.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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
Last sold: $330,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,086,867 | $1,017,344 | — |
| 2025 | $306,068 | $240,290 | — |
| 2024 | $1,814,990 | $987,965 | — |
| 2024 | $282,811 | $232,811 | — |
| 2023 | $1,714,040 | $957,733 | — |
| 2023 | $283,487 | $283,487 | ▲ $13,500 |
| 2022 | $1,401,009 | $928,382 | — |
| 2022 | $262,310 | $56,502 | ▲ $27,000 |
| 2021 | $1,015,702 | $915,192 | — |
| 2021 | $205,584 | $53,886 | — |
| 2020 | $967,795 | $551,060 | — |
| 2020 | $187,422 | $52,452 | — |
2024 property taxes (current owner): $12,777/yr
Estimated taxes if purchased at asking price: ~$38,200/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: Shingle — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,577 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 12, 2026Price change$2,395,000−$100,000
- Apr 18, 2026Listed$2,495,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Palm Valley Gardens
Palm Valley Gardens is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Palm Valley Gardens homes for sale →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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