This home is in Palm Valley Gardens, Ponte Vedra Beach.

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Active·235 days on market·Palm Valley Gardens

210 & 220 S Wilderness Trail

Ponte Vedra Beach, FL 32082

$3,250,000Est. $16,571/moMLS# 2120240

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Palm Valley Gardens

Rare 5-acre upland tract in the heart of Palm Valley. Sale includes 210 and 220 S Wilderness Trail. The property currently has several structures, which seller would consider removing after closing. Property offers approximately 300' of road frontage with a depth of 726'. A blank canvas to create a private estate or explore multiple home-site options. Zoned Open Rural. Close to the beach and excellent schools. Please do not enter the property without the listing agent present.

Cost to own

Mortgage calculator

Home Price

$3,250,000

Down Payment: 20%

$650,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$16,571

Principal & Interest: $16,571

Property taxes (est.): $4,325

Insurance (est.): $2,167

Estimated Total Monthly

$23,062

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$16,571

Property taxesest. at asking price, St. Johns County$4,325

Estimated total, before insurance$20,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,595/yr · $466/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	$1,079,975	$378,634	—
2024	$1,031,314	$367,256	—
2023	$991,766	$355,103	—
2022	$743,029	$343,304	—
2021	$573,181	$331,849	—
2020	$528,654	$326,577	—

2025 property taxes (current owner): $5,595/yr

Estimated taxes if purchased at asking price: ~$51,900/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: material not specified

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

Likely septic

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: ~1,401 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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