This home is in Ponte Vedra Beach.

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Active

Active·97 days on market

108 Valley Gardens Road

Ponte Vedra Beach, FL 32082

$2,195,000$625/sqftEst. $11,683/moMLS# 2139336

Beds

Baths

3,512

Sq Ft

2027

Built

Garage

Pool

About this home

Ponte Vedra Beach

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.

Cost to own

Mortgage calculator

Home Price

$2,195,000

Down Payment: 20%

$439,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$11,157

Principal & Interest: $11,157

Est. Taxes & Insurance: $2,789

Estimated Total Monthly

$13,946

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$11,683

Property taxesest. at asking price, St. Johns County$2,921

HOAbilled quarterly$223

Estimated total, before insurance$14,826/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	$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.

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 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