This home is in Palm Valley, Ponte Vedra Beach.

1 / 84

Active

Active·90 days on market·Palm Valley

4650 Palm Valley Road

Ponte Vedra Beach, FL 32082

$2,450,000$641/sqftEst. $13,040/moMLS# 2140484

Beds

Baths

3,821

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Valley

There is a different rhythm to this stretch of Palm Valley Road. More space. More privacy. A setting that feels removed, yet still connected to everything that defines Ponte Vedra Beach.** Set on more than 1.05 acres, this modern farmhouse, completed just last May, offers something increasingly rare, the feeling of new construction paired with land, privacy, and room to live beyond the walls of the home. A place where mornings feel quiet, evenings unfold naturally, and outdoor living becomes part of your everyday rhythm. From the moment you arrive, the setting defines the experience. Mature trees frame the property, creating a sense of seclusion, while the home itself opens with light, volume, and an effortless flow that feels both refined and livable. Inside, more than 3,800 square feet unfolds with wide plank wood floors, soaring ceilings

Cost to own

Mortgage calculator

Home Price

$2,450,000

Down Payment: 20%

$490,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$12,453

Principal & Interest: $12,453

Est. Taxes & Insurance: $3,113

Estimated Total Monthly

$15,566

*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$13,040

Property taxesest. at asking price, St. Johns County$3,260

Estimated total, before insurance$16,300/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

Last sold: $650,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$520,000	$520,000	—
2025	$178,302	$25,000	—
2024	$360,000	$360,000	—
2024	$176,792	$25,000	—
2023	$360,000	$360,000	—
2023	$173,457	$25,000	—
2022	$369,600	$369,600	—
2022	$165,615	$25,000	—
2021	$200,000	$177,156	▲ $20,000
2021	$143,209	$25,000	▲ $12,387
2020	$180,000	$161,051	—
2020	$127,461	$25,000	—

2025 property taxes (current owner): $7,338/yr

Estimated taxes if purchased at asking price: ~$39,100/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Metal, Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,566 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

Price & status history

Apr 17, 2026Listed$2,450,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,450,000

Price / Sq Ft$641

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,821

Acres1.05 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address4650 Palm Valley Road, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionPalm Valley

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size45,738 sq ft

Parcel Number0667600000

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level, Sink

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)