This home is in Palm Valley, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·190 days on market·Palm Valley
4640 Palm Valley Road
Ponte Vedra Beach, FL 32082
2 more homes for sale in Palm Valley →Search Palm Valley on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Valley
Set on 1.2 private acres, the Floresta -- a signature model by Fox Signature Homes -- offers a seamless blend of design, comfort, and functionality in the heart of Ponte Vedra Beach. This custom-built residence features an open, thoughtfully designed layout with soaring ceilings and a central fireplace that anchors the main living space. The European-style kitchen is equipped with SieMatic cabinetry, Gaggenau appliances, and a built-in espresso machine, all flowing effortlessly into the main living and entertaining areas. Outdoor living is equally impressive, with a fully screened resort-style pool (up to 6 ft deep), spa-style hot tub, outdoor fireplace, and a summer kitchen--perfect for entertaining or relaxing year-round. Designed for efficiency and long-term performance, the home includes solar power supported by four Franklin batteries, dual HVAC systems, two tankless water heaters, foam-insulated roofing, and a whole-home water softener. Irrigation is supplied by a private ...
Next steps in Palm Valley
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Metal, Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,745 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Mickler's Landing Beachfront Park8 min drive · 202 parking spaces
Closest park or preserve
Nocatee Preserve12 min drive · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 3 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridgeabout 3 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Park10 min drive · Baseball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $575,000 in January 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,385,628 | $2,212,866 | — |
| 2024 | $2,324,789 | $2,324,789 | — |
| 2023 | $540,000 | $540,000 | — |
2025 property taxes (current owner): $30,300/yr
Estimated taxes if purchased at asking price: ~$59,900/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.
History
Price & status history
- Apr 10, 2026Listed$3,750,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $692/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4650 Palm Valley Road, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $2,425,000 | $635 | 5/4 | 3,821 | 96 | 0 |
| 152 Governors Road, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC. | Apr 2026 | $2,550,000 | $510 | 5/3.5 | 5,000 | 176 | 0.3 |
| 196 Governors Road, Ponte Vedra Beach, FL 32082Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Jun 2026 | $1,820,000 | $398 | 5/6 | 4,571 | 103 | 0.4 |
| 55 S Roscoe Boulevard, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $2,550,000 | $652 | 5/4 | 3,913 | 10 | 0.7 |
| 149 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLC | May 2026 | $2,150,000 | $468 | 4/5.5 | 4,592 | 174 | 0.9 |
| 21 N Roscoe Boulevard, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $4,900,000 | $745 | 7/8.5 | 6,577 | 305 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
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 Palm Valley
Palm Valley is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Palm Valley homes for sale →Keep looking
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For Sale365 S Roscoe BoulevardPonte Vedra Beach, FL 32082
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines