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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in The Plantation, Ponte Vedra Beach — a Ponte Vedra Beach golf community home.

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Sold

Sold·Closed Jun 26, 2026·103 days on market·Recent sales in The Plantation·The Plantation

196 Governors Road

Ponte Vedra Beach, FL 32082

$1,820,000sold priceListed at $1,950,000 · 93.3% of asking$398/sqftMLS# 2129426
5
Beds
6
Baths
4,571
Sq Ft
1995
Built
3
Garage
Yes
Pool

20 more homes for sale in The Plantation →Search The Plantation on the map

HOA $1902/moSingle Family Residence1 story

About this home

The Plantation

Perfectly positioned along the 14th fairway in the prestigious Plantation at Ponte Vedra Beach, this exceptional home offers beautiful golf course views and a blend of comfort and timeless style. Freshly painted last year, the interior feels bright and well-maintained throughout. Major updates include a roof approximately 3 years old and three recently replaced water heaters for added peace of mind. The spacious kitchen features durable Corian countertops and ample workspace, ideal for everyday living and entertaining. Step outside to your private retreat featuring a covered patio, screened-in pool, and spa — perfect for relaxing while enjoying serene fairway views. Residents of The Plantation enjoy premier amenities including a championship golf course, pickleball, and an exclusive beach club with private beach access. Conveniently located near top-rated schools, shopping, and dining, this home presents a rare opportunity to experience resort-style living in one of Ponte Vedra.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$10,081
Property taxesest. at asking price, Duval County$2,972
HOAbilled monthly$1,902
Estimated total, before insurance$14,955/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,820,000
$364,000
Loan Term
Monthly Payment
$10,081
Principal & Interest: $10,081
Property taxes (est.): $2,972
Insurance (est.): $1,213
Estimated Total Monthly
$14,266
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 1995)

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

Solar potential: ~1,668 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,643,169$803,167—
2024$1,530,962$779,824—
2023$1,546,876$755,654—
2022$1,213,814$732,188—
2021$809,282$709,406—
2020$798,207$698,921—

Estimated taxes if purchased at asking price: ~$35,700/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 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $635/sq ft; this home is listed at $427/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4650 Palm Valley Road, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$2,425,000$6355/43,821960.4
185 Retreat Place, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$2,575,000$6824/4.53,7751230.4
181 Retreat Place, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PVJul 2026$1,600,000$4784/43,34770.4
145 Egrets Walk Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$1,400,000$4065/43,450690.6
2642 Long Boat Court S, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLCAug 2026$1,907,764$5384/3.53,54440.7
120 Regents Place, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTYAug 2026$3,194,840$6374/5.55,0123060.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,950,000
Price / Sq Ft$427
Bedrooms5
Bathrooms6.00
Full Baths6
Square Footage4,571
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address196 Governors Road, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionThe Plantation At Pv
CityPonte Vedra Beach
CountyDuval
StateFL
Zip Code32082
Parcel Number0669076120

Amenities

AmenitiesPool, Basketball Court, Beach Access, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Playground, Tennis Court(s), Trash
Community FeaturesSuburban, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Range, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
SecurityGated with Guard, Smoke Detector(s)
Spa FeaturesIn Ground, Private

Exterior

Lot DescriptionOn Golf Course, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
RoofTile
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJune 2, 2026
Days on Market103
HOA Fees$1,902 / Monthly
HOA FrequencyMonthly
HOA NameThe Plantation at Ponte Vedra Beach
HOA Fee IncludesSecurity
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ASSIST2SELL FULL SERVICE REALTY LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About The Plantation

The Plantation is a neighborhood in Ponte Vedra Beach, FL (Duval County), ZIP 32082.

View all The Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines