This home is in Palm Valley Gardens, Ponte Vedra Beach.
Active·68 days on market·Palm Valley Gardens
88 Cat Road
Ponte Vedra Beach, FL 32082
About this home
Palm Valley Gardens
NEW LOWER PRICE! Enjoy the Palm Valley lifestyle with space, privacy, and no HOA, all on a fully fenced half-acre. This home offers 3 spacious bedrooms plus an oversized bonus room, ideal for a playroom, additional living space, or potential 4th bedroom. The open floor plan is complemented by tall ceilings and a large kitchen with ample cabinet space, creating a comfortable layout for everyday living and entertaining. A welcoming front porch with room for rocking chairs adds to the home's charm. The primary suite is located on the first floor, while upstairs features two additional bedrooms, a bonus/family room, and a massive walk-in storage area. The property also includes a storage shed and plenty of room to park a boat or RV. Conveniently located just off Roscoe Blvd, close to the Intracoastal, Palm Valley boat ramp, and the beach.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $844,293 | $268,965 | — |
| 2024 | $732,739 | $260,536 | — |
| 2023 | $746,339 | $251,346 | — |
| 2022 | $588,932 | $246,923 | — |
| 2021 | $473,701 | $238,760 | — |
| 2020 | $478,147 | $234,773 | — |
Estimated taxes if purchased at asking price: ~$16,000/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: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,415 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
- Jul 15, 2026Price change$999,000−$101,000
- May 8, 2026Listed$1,100,000
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 Gardens
Palm Valley Gardens is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Palm Valley Gardens 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
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