This home is in 54 North Roscoe, Ponte Vedra Beach — a new construction home in St. Johns County.
Active·190 days on market·54 North Roscoe
108 Valley Gardens Road
Ponte Vedra Beach, FL 32082
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About this home
54 North Roscoe
The Oak House offers the best of luxury coastal design with 5 bedrooms + 5.5 bathrooms + loft, situated on Lot 5 in the cul-de-sac of the charming Palm Valley Gardens. Lot 5 is 0.52 acres and is ready to build! The open-concept living area boasts a double-high vaulted ceiling flowing to the gourmet kitchen with Thermador appliances, custom cabinetry, and spacious dining area. Sliding glass doors open to an expansive porch. The main-floor primary suite offers abundant natural light, a spa-like bath + sizeable closets. Two bedroom suites, one ideal for an office with private screen patio are also downstairs. Upstairs, find 2 bedroom suites + loft. Enjoy easy access to a 3-car garage & generous yard space for future pool! Life in Palm Valley centers around a relaxed coastal lifestyle--golf, beach days & great local dining just minutes away + top-rated schools & medical access.
Next steps in 54 North Roscoe
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.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2027)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,552 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 Parkabout 3 mi · 202 parking spaces
Closest park or preserve
Nocatee Preserveabout 5 mi · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 4 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridgeabout 4 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Parkabout 2 mi · 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:29 AM, sunset 6:52 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $425,000 | $425,000 | — |
Estimated taxes if purchased at asking price: ~$35,000/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
- Jul 16, 2026Active$2,195,000
- Jul 10, 2026Active Under Contract$2,195,000
- Apr 10, 2026Listed$2,195,000
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 $409/sq ft; this home is listed at $625/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 25 Valley Gardens Road, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,800,000 | $465 | 6/5 | 3,874 | 53 | 0.1 |
| 279 Payasada Circle, Ponte Vedra Beach, FL 32082Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $1,380,000 | $389 | 4/3.5 | 3,546 | 117 | 0.5 |
| 140 Woodlands Creek Drive, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORP | Aug 2026 | $990,000 | $356 | 4/3.5 | 2,778 | 44 | 0.5 |
| 150 A N Roscoe Boulevard, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PV | Aug 2026 | $1,815,000 | $580 | 4/3.5 | 3,132 | 73 | 0.6 |
| 131 Payasada Oaks Trail, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $1,400,000 | $409 | 4/3 | 3,426 | 11 | 0.6 |
| 145 Egrets Walk Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $1,400,000 | $406 | 5/4 | 3,450 | 69 | 0.9 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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 54 North Roscoe
54 North Roscoe is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines