This home is in Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·73 days on market

346 Pablo Terrace

Ponte Vedra Beach, FL 32082

$4,200,000$1062/sqftEst. $22,354/moMLS# 2142351

Beds

Baths

3,954

Sq Ft

1968

Built

Garage

Yes

Pool

About this home

Ponte Vedra Beach

Stunning home set on a rare .56-acre private lot in Old Ponte Vedra, this 4BR/4BA residence offers a refined blend of character, scale, and modern efficiency. Nearly 4,000 sq ft unfolds with pecky cypress vaulted ceilings, ultra-wide oak flooring, and original brick accents that anchor the home in timeless, authentic design. The kitchen is both functional and elevated, featuring Thermador appliances, dual dishwashers, and a smartly designed entertaining bar. Indoor living flows seamlessly to a covered lanai, summer kitchen, and pool with spa, surrounded by mature magnolia and oak trees offering exceptional privacy. A separate outdoor pavilion with wood-burning fireplace creates an additional retreat. Solar panels, updated systems, and a Tesla-ready garage enhance efficiency without compromise. A truly distinctive offering in one of Ponte Vedra's most coveted enclaves.

Cost to own

Mortgage calculator

Home Price

$4,200,000

Down Payment: 20%

$840,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$21,348

Principal & Interest: $21,348

Est. Taxes & Insurance: $5,337

Estimated Total Monthly

$26,685

*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$22,354

Property taxesest. at asking price, St. Johns County$5,589

Estimated total, before insurance$27,943/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	$2,671,604	$636,302	—
2024	$2,403,709	$617,662	—
2023	$2,136,659	$598,216	—
2022	$1,879,321	$579,336	—
2021	$1,462,454	$561,006	—
2020	$1,333,364	$552,570	—

2025 property taxes (current owner): $9,222/yr

Estimated taxes if purchased at asking price: ~$67,100/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 1968)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,780 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

May 4, 2026Listed$4,200,000

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

Features

Price$4,200,000

Price / Sq Ft$1,062

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,954

Acres0.56 acres

Year Built1968

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address346 Pablo Terrace, Ponte Vedra Beach, FL 32082

Area251-Ponte Vedra Beach-E Of A1A-N Of Corona Rd

SubdivisionOld Ponte Vedra

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size24,393.6 sq ft

Parcel Number0594990020

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesFree Standing, Gas, Wood Burning

# of Stories1

LevelsOne

Window FeaturesSkylight(s)

Spa FeaturesIn Ground, Private