This home is in Palm Valley Gardens, Ponte Vedra Beach.

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Active·96 days on market·Palm Valley Gardens

274 N Roscoe Boulevard

Ponte Vedra Beach, FL 32082

$2,995,000$695/sqftEst. $15,941/moMLS# 2139374

Beds

Baths

4,310

Sq Ft

2027

Built

Garage

Pool

About this home

Palm Valley Gardens

Exceptional 3.3+ acre homesite paired with the stunning Solera floor plan by AR Homes by Arthur Rutenberg. Build your dream home with the flexibility to customize this design or choose from a wide range of luxury floor plans. The Solera features a grand two-story foyer, open-concept living filled with natural light, vaulted ceilings, and expansive sliding glass doors that seamlessly blend indoor and outdoor spaces. High-end finishes throughout, plus wet bars in the first-floor bonus room and second-floor loft--perfect for entertaining. The private first-floor owner's suite offers a spa-style retreat. Gourmet kitchen includes a large island and hidden walk-in pantry. Lot/home package; price excludes site costs and outdoor living features.

Cost to own

Mortgage calculator

Home Price

$2,995,000

Down Payment: 20%

$599,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$15,129

Principal & Interest: $15,129

Est. Taxes & Insurance: $3,782

Estimated Total Monthly

$18,911

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$15,941

Property taxesest. at asking price, St. Johns County$3,985

Estimated total, before insurance$19,926/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	$1,233,000	$591,631	—
2024	$1,096,000	$537,846	—
2023	$959,000	$488,951	—
2022	$773,200	$444,501	—
2021	$417,000	$404,092	—
2020	$389,600	$367,356	—

2025 property taxes (current owner): $12,325/yr

Estimated taxes if purchased at asking price: ~$47,800/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2027)

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

Solar potential: ~1,630 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