This home is in Palm Valley, Ponte Vedra.

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Active

Active·84 days on market·Palm Valley

216 Clatter Bridge Road

Ponte Vedra, FL 32081

$3,450,000$953/sqftEst. $18,362/moMLS# 2141459

Beds

Baths

3,621

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Palm Valley

Welcome to the Palm Valley Yacht Club -- at least, that's what the homeowners lovingly call this stunning waterfront retreat nestled within a private enclave of just nine homes. Situated on nearly an acre, this completely remodeled four-bedroom, four-and-a-half-bathroom residence sits on an east-facing rear lot, which means spectacular coastal breezes and breathtaking sunrises over the Intracoastal Waterway. While west-facing neighbors bake in the afternoon heat, you'll be sipping something cold under the gazebo, entertaining beside the summer kitchen, or casting a line from your new Trex dock and floating dock. The outdoor space here is nothing short of extraordinary. A freshly resurfaced remarcite pool with designer tile gleams beneath a new pool cage, surrounded by elegant pavers that extend from the driveway through the back patio. The double-sided gas fireplace connects the vaulted great room seamlessly to the outdoor lanai -- because why choose between inside and outside when

Cost to own

Mortgage calculator

Home Price

$3,450,000

Down Payment: 20%

$690,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$17,536

Principal & Interest: $17,536

Est. Taxes & Insurance: $4,384

Estimated Total Monthly

$21,920

*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$18,362

Property taxesest. at asking price, St. Johns County$4,591

HOAbilled annually$42

Estimated total, before insurance$22,995/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

Year	Market value	Taxable value	Change
2025	$1,728,711	$895,593	—
2024	$1,674,625	$869,645	—
2023	$1,624,808	$842,859	—
2022	$1,175,397	$816,853	—
2021	$1,001,421	$791,605	—
2020	$874,307	$779,985	—

2025 property taxes (current owner): $12,558/yr

Estimated taxes if purchased at asking price: ~$55,100/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1995)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,770 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 23, 2026Listed$3,450,000

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

Features

Price$3,450,000

Price / Sq Ft$953

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,621

Acres0.91 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address216 Clatter Bridge Road, Ponte Vedra, FL 32081

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

SubdivisionPalm Valley

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size39,639.6 sq ft

Lot Dimensions110 X 307

Parcel Number0691810060

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourceWell

Green / EnergyDoors, Insulation, Windows

ParkingAttached, Garage, Garage Door Opener, Other

ViewIntracoastal

Waterfront TypeIntracoastal, Navigable Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

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

HeatingCentral, Electric, Heat Pump

CoolingElectric, Multi Units

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Gas

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Sink, Washer Hookup

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

Spa FeaturesIn Ground, Heated