This home is in Palm Valley, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active Under Contract·135 days on market·Palm Valley
4650 Palm Valley Road
Ponte Vedra Beach, FL 32082
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
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
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 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
- Jul 21, 2026Active Under Contract$2,450,000
- Apr 17, 2026Listed$2,450,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Palm Valley
Palm Valley is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Palm Valley homes for sale →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines