This home is in Ponte Vedra Beach.
Active·66 days on market
48 Matthews Lane
Ponte Vedra Beach, FL 32082
About this home
Ponte Vedra Beach
Where elegance meets a coastal vibe! This 2020-custom built home in the heart of Ponte Vedra Beach showcases 4 bedrooms (optional 5th), 3 full baths & a versatile loft/rec area upstairs. There's plenty of room for all to spread out, play & relax! Location? It doesn't get much better. Zoned for Ponte Vedra High and just a short walk or bike ride to Ocean Palms & Landrum Middle, this home is perfectly positioned for families. Plus, you're minutes from the beach, local parks & all the conveniences PVB has to offer. Step inside to find stylish hardwood floors that flow through the home, adding warmth to every room. The chef's kitchen & outdoor kitchen are perfect for entertaining. The private fenced backyard with jetted spa pool is your personal oasis. Equipped with a whole-house generator. For 2nd home buyers there are no rental restrictions. Situated in the exclusive Preserve Pointe neighborhood, this home combines luxury & a carefree coastal lifestyle plus it's move-in ready!
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: $882,500 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $821,963 | $743,679 | ▲ $7,350 |
| 2024 | $764,870 | $714,870 | — |
| 2023 | $764,870 | $714,870 | — |
| 2022 | $842,040 | $769,567 | — |
| 2021 | $699,606 | $699,606 | — |
| 2020 | $200,000 | $200,000 | — |
2025 property taxes (current owner): $10,512/yr
Estimated taxes if purchased at asking price: ~$19,100/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
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: ~1,764 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 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 11, 2026Listed$1,195,000
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: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
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