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

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Active Under Contract

Active Under Contract·192 days on market·Old Palm Valley

104 Twin Cedar Court

Ponte Vedra Beach, FL 32082

$799,999$306/sqftEst. $4,258/moMLS# 2123513

Beds

Baths

2,617

Sq Ft

1996

Built

Garage

Pool

About this home

Old Palm Valley

This stunning home is a must-see to truly appreciate its elegance & privacy. Featuring 4 bedrooms & 2.5 bathrooms (versatile upstairs bonus room that can serve as a 4th bedroom, game room, or office), this home offers flexibility for any lifestyle. Recent upgrades provide peace of mind, including newer hot water heater, replumbing, newer AC, new water softener, recessed lighting, irrigation in both front & back, outdoor lighting, & refreshed landscaping.(Furniture is also available for purchase). Step outside to your own private oasis- great for entertaining—with a gas fireplace & Tiki bar complete with a built-in grill, mini fridge, & plenty of seating. The primary suite is located on the main level & serves as a true retreat, featuring dual walk-in closets & a luxurious ensuite with a jacuzzi tub & separate shower. Perfectly situated near premier shopping, Ocean Palms, Landrum, Mickler's Beach, TPC, Mayo Clinic, & the Po

Cost to own

Mortgage calculator

Home Price

$799,999

Down Payment: 20%

$160,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,066

Principal & Interest: $4,066

Est. Taxes & Insurance: $1,017

Estimated Total Monthly

$5,083

*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$4,258

Property taxesest. at asking price, St. Johns County$1,065

HOAbilled quarterly$65

Estimated total, before insurance$5,387/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	$652,860	$309,630	—
2024	$611,596	$300,196	—
2023	$553,584	$289,996	—
2022	$563,034	$280,093	—
2021	$400,015	$270,479	—
2020	$384,645	$266,054	—

Estimated taxes if purchased at asking price: ~$12,800/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1996)

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: ~1,667 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

Jan 5, 2026Listed$799,999

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

Features

Price$799,999

Price / Sq Ft$306

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,617

Acres0.37 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address104 Twin Cedar Court, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionOld Palm Valley

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size16,117.2 sq ft

Parcel Number0667210220

ZoningResidential

Amenities

AmenitiesBasketball Court, Park, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesKitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces2

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySecurity Lights, Smoke Detector(s)