This home is in Ponte Vedra Beach.
Active Under Contract·77 days on market
25 Valley Gardens Road
Ponte Vedra Beach, FL 32082
About this home
Ponte Vedra Beach
Tucked within the boutique Palm Valley Gardens community, this custom-built coastal home blends thoughtful design, elevated finishes, and everyday functionality in one of Ponte Vedra Beach's most desirable locations. A welcoming front porch swing sets the tone, leading into light-filled interiors defined by designer-selected finishes. The open-concept layout is designed for both entertaining and daily living, anchored by a spacious kitchen with an oversized walk-in pantry. Flexibility is built in with a downstairs office or guest bedroom featuring an ensuite bath--ideal for visitors or working from home. Upstairs, a private guest suite above the garage offers its own separate entry and kitchenette, creating a true retreat for out-of-town guests or a private, self-contained work-from-home setup. Three additional bedrooms are upstairs, one is ensuite, along with a large hall bath and storage closets offering abundant conditioned storage spaces.
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, 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: $450,000 in November 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,188,552 | $1,060,631 | — |
| 2025 | $159,648 | $159,648 | — |
| 2024 | $1,108,395 | $1,030,032 | — |
| 2024 | $154,547 | $154,547 | — |
| 2023 | $350,000 | $350,000 | — |
| 2023 | $159,142 | $159,142 | ▲ $28,650 |
| 2022 | $112,000 | $107,470 | — |
| 2022 | $126,558 | $109,347 | ▲ $12,360 |
| 2021 | $97,700 | $97,700 | — |
| 2021 | $101,102 | $101,102 | — |
| 2020 | $97,700 | $97,700 | — |
| 2020 | $95,143 | $95,143 | — |
Estimated taxes if purchased at asking price: ~$30,000/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: material not specified — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,053 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational 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 1, 2026Listed$1,880,000
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
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines