This home is in Old Palm Valley, Ponte Vedra Beach — a pool home in Ponte Vedra Beach.
Active·84 days on market·Old Palm Valley
240 Shell Bluff Court
Ponte Vedra Beach, FL 32082
About this home
Old Palm Valley
Welcome to one of Ponte Vedra's most coveted neighborhoods, where this beautifully maintained pool home sits on a premium lot backing to a peaceful pond and lush preserve. Mature landscaping and charming curb appeal set the tone before you even step inside. The three-way split bedroom plan is perfectly suited for family living, while the open kitchen and family room -- anchored by a wood-burning fireplace -- serve as the heart of the home. White cabinetry, granite counters, stainless appliances, and a breakfast bar make the kitchen as functional as it is inviting. The spacious upstairs bonus room with a wet bar adds incredible flexibility. Out back, a solar-heated screened pool and covered lanai frame stunning pond and preserve views that feel like a permanent vacation. Recent updates include both AC units replaced, new hot water heater, and engineered hardwood floors in three bedrooms. Don't miss your chance to own a pool home with an unbeatable backdrop in one of Palm Valley's most
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $734,571 | $682,480 | — |
| 2024 | $692,515 | $620,436 | — |
| 2023 | $642,066 | $564,033 | — |
| 2022 | $647,491 | $512,757 | — |
| 2021 | $466,143 | $466,143 | — |
| 2020 | $458,100 | $271,088 | — |
2025 property taxes (current owner): $9,853/yr
Estimated taxes if purchased at asking price: ~$15,200/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 — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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: Shingle — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,763 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.
History
Price & status history
- Aug 19, 2026Price change$950,000−$30,000
- Jun 7, 2026Listed$980,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Old Palm Valley
Old Palm Valley is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Old Palm Valley homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines