Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in The Plantation, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·133 days on market·The Plantation

148 Laurel Lane

Ponte Vedra Beach, FL 32082

$2,044,000$720/sqftEst. $10,508/moMLS# 2140697

Beds

Baths

2,837

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

The Plantation

UPDATE: UP TO 100% OF INITIATION FEE PAID BY SELLER! RARE LOT IN THE PLANTATION: ONE OF ~25 LOTS ON THE ''BIG LAKE''! ---THE RESIDENCE: A masterfully reimagined 1-story residence featuring a multi-phase structural transformation. Reconfigured to maximize light, the home is anchored by 10-15ft ceilings, 8ft doors, and massive sliders opening to a screened pool. ---THE VIEW: Situated on one of ~25 premier lakefront lots, offering one of the rarest luxuries in 32082: total serenity and ''Big Water'' views. ---INTERIOR: Stunning wood floors, designer kitchen, and 3.5 renewed baths with premium finishes. All bedrooms feature ensuite baths. ---LIFESTYLE: Immediate membership to newly remodeled oceanfront Beach House, Arnold Palmer Signature Golf, Tennis, Pickleball, and newly remodeled Clubhouse. 24-hour gated security. A rare, turnkey retreat capturing Florida's natural landscape. ---BONUS: Extra 185 sqf of conditioned/decked storage above garage (PDS)

Cost to own

Mortgage calculator

Home Price

$2,044,000

Down Payment: 20%

$408,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$10,508

Principal & Interest: $10,508

Property taxes (est.): $2,720

Insurance (est.): $1,363

Estimated Total Monthly

$14,591

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$10,508

Property taxesest. at asking price, St. Johns County$2,720

HOAbilled monthly$2,307

Estimated total, before insurance$15,535/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,652/yr · $638/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, 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	$1,074,562	$531,324	—
2024	$887,449	$515,642	—
2023	$851,307	$499,167	—
2022	$855,333	$483,172	—
2021	$503,427	$453,427	—
2020	$485,789	$485,789	—

2025 property taxes (current owner): $7,652/yr

Estimated taxes if purchased at asking price: ~$32,600/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: Concrete, Tile — year not disclosed (home built 1994)

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: ~1,762 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

As 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 4, 2026Price change$2,044,000−$5,000
Apr 18, 2026Listed$2,049,000

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

Features

Price$2,044,000

Price / Sq Ft$720

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,837

Total Structure Area3,543 sq ft

Acres0.18 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address148 Laurel Lane, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionThe Plantation At Pv

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size7,840.8 sq ft

Lot Dimensions58x133

Parcel Number0669151015

ZoningSingle Family

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Beach Access, Cable TV, Clubhouse, Elevator(s), Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Nook, 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, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump, Propane, Zoned

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Sink, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Entry Phone/Intercom, Gated with Guard, Smoke Detector(s)