This home is in The Plantation, Ponte Vedra Beach.

1 / 46

Pending

Pending·170 days on market·The Plantation

185 Retreat Place

Ponte Vedra Beach, FL 32082

$2,899,000$768/sqftEst. $15,430/moMLS# 2127005

Beds

Baths

3,775

Sq Ft

2022

Built

Garage

Pool

About this home

The Plantation

Welcome to effortless coastal living in this custom-built, one-owner residence completed in 2022 by House & Home, ideally located within The Plantation at Ponte Vedra Beach. Move-in ready and thoughtfully designed, this home showcases an open floor plan filled with natural light, thanks to an abundance of oversized windows that welcome you upon entry. The heart of the home features vaulted ceilings with striking beam detailing, custom trim work throughout, and an elegant Isokern fireplace anchoring the great room. French doors throughout the living spaces create a seamless connection to the outdoors while framing serene water views. The first-floor primary suite offers a true retreat with a spa-inspired shower, dual vanities, and generous his-and-her closets. A dedicated office nook and an additional downstairs en-suite guest bedroom provide flexibility for work and hosting. Upstairs, a private en-suite guest room offers comfort and privacy, while a separate open loft sitting area

Cost to own

Mortgage calculator

Home Price

$2,899,000

Down Payment: 20%

$579,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$14,644

Principal & Interest: $14,644

Est. Taxes & Insurance: $3,661

Estimated Total Monthly

$18,305

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$15,430

Property taxesest. at asking price, St. Johns County$3,858

HOAbilled monthly$2,046

Estimated total, before insurance$21,333/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	$1,513,174	$1,147,636	—
2024	$1,278,533	$1,114,585	—
2023	$1,278,533	$1,080,665	—
2022	$196,000	$154,000	—
2021	$140,000	$140,000	—
2020	$140,000	$132,868	—

Estimated taxes if purchased at asking price: ~$46,300/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: Concrete, Tile — year not disclosed (home built 2022)

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

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

Jul 9, 2026Pending$2,899,000
Jan 26, 2026Listed$2,899,000

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

Features

Price$2,899,000

Price / Sq Ft$768

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,775

Acres0.32 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address185 Retreat Place, Ponte Vedra Beach, FL 32082

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

SubdivisionThe Plantation At Pv

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size13,939.2 sq ft

Parcel Number0669199200

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewWater

Waterfront TypeLagoon

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Electric Oven, Electric Range, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Trash Compactor

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup