This home is in Palm Valley, Ponte Vedra Beach.

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Active

Active·69 days on market·Palm Valley

21 N Roscoe Boulevard

Ponte Vedra Beach, FL 32082

$5,895,000$896/sqftEst. $31,376/moMLS# 2116881

Beds

Baths

6,577

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Palm Valley

Welcome to this one-of-a-kind Florida waterfront estate offering privacy, luxury, and functionality. With 100 ft of direct Intracoastal frontage, this meticulously maintained, one-owner home blends timeless elegance with a bright open floor plan and modern upgrades. A new roof, whole-house generator, and lush landscaping ensure peace of mind and year-round comfort. The main residence features 6 bedrooms, 6 full and 2 half baths, 6,577 sqft of indoor/outdoor living, a wine cellar, and a pool/spa for entertaining or relaxation. A separate 1,737 sqft guest house with 1 bed and 1.5 baths provides private accommodations. Boating enthusiasts will love the rare covered boathouse—one of largest permitted—featuring two boat lifts and two jet ski lifts. A 12-car garage (expandable to 14) caters to collectors. Combining location, luxury, and lifestyle, this exceptional property is the ultimate Florida waterfront retreat.

Cost to own

Mortgage calculator

Home Price

$5,895,000

Down Payment: 20%

$1,179,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$29,964

Principal & Interest: $29,964

Est. Taxes & Insurance: $7,491

Estimated Total Monthly

$37,454

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$31,376

Property taxesest. at asking price, St. Johns County$7,844

Estimated total, before insurance$39,220/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, 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

Year	Market value	Taxable value	Change
2025	$4,178,126	$1,736,457	—
2024	$3,705,496	$1,686,811	—
2023	$3,292,561	$1,636,224	—
2022	$2,782,002	$1,587,111	—
2021	$2,039,454	$1,539,428	—
2020	$2,077,184	$1,517,483	—

Estimated taxes if purchased at asking price: ~$94,100/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 2004)

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

Septic system (public record) · Public water · JEA

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: ~1,750 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

Informational 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

May 8, 2026Listed$5,895,000

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

Features

Price$5,895,000

Price / Sq Ft$896

Bedrooms7

Bathrooms8.50

Full Baths7

Half Baths3

Square Footage6,577

Acres0.92 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages12

Has PoolYes

Pool FeaturesIn Ground, Heated, Pool Sweep, Salt Water

Is WaterfrontYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address21 N Roscoe Boulevard, Ponte Vedra Beach, FL 32082

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

SubdivisionPalm Valley

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size39,988.08 sq ft

Lot Dimensions100 x 400

Parcel Number0636900000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewIntracoastal, Pool, Trees/Woods

Waterfront TypeIntracoastal, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Wine Cellar

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

HeatingCentral

CoolingCentral Air, Electric, Multi Units, Split System, Zoned

FlooringCarpet, Stone

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Upper Level

SecuritySecurity System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private