Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palm Valley, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·142 days on market·Palm Valley

4640 Palm Valley Road

Ponte Vedra Beach, FL 32082

$3,750,000$692/sqftEst. $19,279/moMLS# 2138969

Beds

Baths

5,422

Sq Ft

2023

Built

Garage

Yes

Pool

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 ...

Cost to own

Mortgage calculator

Home Price

$3,750,000

Down Payment: 20%

$750,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$19,279

Principal & Interest: $19,279

Property taxes (est.): $4,990

Insurance (est.): $2,500

Estimated Total Monthly

$26,769

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$19,279

Property taxesest. at asking price, St. Johns County$4,990

Estimated total, before insurance$24,269/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$30,300/yr · $2,525/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

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.

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 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

Price & status history

Apr 10, 2026Listed$3,750,000

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

Features

Price$3,750,000

Price / Sq Ft$692

Bedrooms6

Bathrooms7.00

Full Baths6

Half Baths2

Square Footage5,422

Total Structure Area7,654 sq ft

Acres1.20 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Solar Heat

Is WaterfrontNo

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address4640 Palm Valley Road, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionPalm Valley

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size52,272 sq ft

Parcel Number0667600010

ZoningResidential

Amenities

UtilitiesCable Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Downstairs, Vaulted Ceiling(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, Freezer, Microwave, Refrigerator, Solar Hot Water, Tankless Water Heater, Washer

HeatingCentral, Zoned

CoolingCentral Air, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo

LaundryLower Level

Spa FeaturesIn Ground, Heated