This home is in The Plantation, Ponte Vedra Beach — a pool home in Ponte Vedra Beach.
Sold·Closed Jun 3, 2026·12 days on market·Recent sales in The Plantation·The Plantation
103 Surrey Lane
Ponte Vedra Beach, FL 32082
20 more homes for sale in The Plantation →Search The Plantation on the map
About this home
The Plantation
Fully renovated in 2024, this exceptional residence offers a seamless blend of modern design and effortless living. Move-in ready, the home showcases a stunning open-concept layout where the gourmet kitchen flows beautifully into the family room--perfect for both everyday living and entertaining. Thoughtfully curated designer finishes, new windows, and custom cabinetry and trim work elevate every space. The expansive primary suite serves as a private retreat, featuring a spa-inspired bath and tranquil views of the resort-style backyard. Walls of glass invite the outdoors in, with picturesque views of the newly constructed heated saltwater pool visible from the primary suite, kitchen, family room, and living areas. A sun-filled office provides the ideal work-from-home setting, while a private downstairs en-suite guest room offers comfort and flexibility for visitors. Upstairs, you'll find three additional bedrooms, two full baths, and a spacious bonus area--perfect for a media room
Next steps in The Plantation
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,696 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 homeThis 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.
Cost to own
Taxes & assessment
Last sold: $1,800,000 in July 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,440,766 | $1,440,766 | — |
| 2024 | $895,206 | $895,206 | — |
| 2023 | $758,187 | $758,187 | — |
| 2022 | $729,473 | $410,762 | — |
| 2021 | $546,131 | $397,827 | — |
| 2020 | $499,120 | $391,644 | — |
Estimated taxes if purchased at asking price: ~$32,300/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.
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 $538/sq ft; this home is listed at $614/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 240 Laurel Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC. | Oct 2026 | $1,400,000 | $554 | 3/3 | 2,526 | 36 | 0.4 |
| 120 Ocean'S Edge Drive, Ponte Vedra Beach, FL 32082Listed by PREMIER HOMES REALTY INC | Aug 2026 | $740,000 | $311 | 4/3 | 2,380 | 81 | 0.6 |
| 108 Oceans Edge Drive, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC | Aug 2026 | $900,000 | $376 | 4/3 | 2,394 | 72 | 0.6 |
| 2642 Long Boat Court S, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC | Aug 2026 | $1,907,764 | $538 | 4/3.5 | 3,544 | 4 | 0.7 |
| 185 Retreat Place, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $2,575,000 | $682 | 4/4.5 | 3,775 | 123 | 0.7 |
| 104 Twin Cedar Court, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PV | Jul 2026 | $768,000 | $293 | 4/2.5 | 2,617 | 159 | 0.7 |
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: ONE SOTHEBY'S INTERNATIONAL REALTY
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 The Plantation
The Plantation is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all The Plantation homes for sale →Keep looking
More homes in The Plantation
For Sale148 Laurel LanePonte Vedra Beach, FL 32082
3 bd · 3.5 ba · 2,837 sq ft
$2,039,000Est. $10,852/moUPDATE: UP TO 100% OF INITIATION FEE PAID BY SELLER! RARE LOT IN THE PLANTATION: ONE OF ~25 LOTS ON THE ''BIG…
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For Sale105 Laurel WayPonte Vedra Beach, FL 32082
4 bd · 3.5 ba · 3,231 sq ft
$1,875,000Est. $9,980/moMove right in and begin enjoying the exceptional lifestyle offered at The Plantation. Perfectly designed for both…
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For Sale118 Regents PlacePonte Vedra Beach, FL 32082
4 bd · 4 ba · 4,171 sq ft
$2,250,000Est. $11,975/moTucked away on a quiet cul-de-sac in the beautiful gated golf community of The Plantation at Ponte Vedra, this concrete…
Listing Office: ponte vedra club realty, inc.
Pending116 Regents PlacePonte Vedra Beach, FL 32082
4 bd · 3 ba · 3,355 sq ft
$1,825,000Est. $9,713/moExperience refined living at this rarely available location, ideally positioned along the 9th fairway of the Arnold…
Listing Office: william raveis real estate
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines