This home is in Palm Valley Gardens, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·160 days on market·Palm Valley Gardens
88 Cat Road
Ponte Vedra Beach, FL 32082
5 more homes for sale in Palm Valley Gardens →Search Palm Valley Gardens on the map
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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.
Next steps in Palm Valley Gardens
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, 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
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.
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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $537/sq ft; this home is listed at $305/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 17 Palm Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,625,000 | $538 | 5/3.5 | 3,018 | 94 | 0.1 |
| 195 S Roscoe Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $1,925,000 | $537 | 4/3.5 | 3,588 | 127 | 0.4 |
| 403 S Mill View Way, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $1,280,000 | $359 | 4/4 | 3,570 | 53 | 0.6 |
| 317 S Mill View Way, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $1,000,000 | $300 | 5/3.5 | 3,333 | 50 | 0.6 |
| 641 Lake Stone Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $839,000 | $320 | 4/2.5 | 2,620 | 2 | 0.7 |
| 146 Whistling Palm Court, Ponte Vedra, FL 32081Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $2,260,000 | $585 | 4/5.5 | 3,860 | 26 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines