This home is in Ponte Vedra.

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Active

Active·61 days on market

145 Windmill Palm Trail

Ponte Vedra, FL 32081

$1,175,000$367/sqftEst. $6,254/moMLS# 2145481

Beds

Baths

3,205

Sq Ft

2023

Built

Garage

Pool

About this home

Ponte Vedra

Nestled at the end of a quiet cul-de-sac in the desirable Palmetto Cove community of Nocatee, this stunning Avalon floor plan, built by Dostie Homes, offers an exceptional combination of luxury, privacy, and versatile spaces that cater to the Florida lifestyle. Spanning 3,200 square feet all on one level, the thoughtfully designed layout includes three bedrooms and two and a half baths. This home features a dedicated office and additional flex space, plus an attached casita that is perfect for a second office, gym, media room, or potential fourth bedroom. The gourmet kitchen serves as the heart of the home, showcasing beautiful double-stacked white cabinetry, an oversized walk-in pantry, and a butler's kitchen with room for a second refrigerator--ideal for entertaining or any home chef. The spacious gathering room and dining area flow seamlessly into the covered lanai and expansive paver patio, which includes a screened enclosure, creating the perfect indoor/outdoor living experience

Cost to own

Mortgage calculator

Home Price

$1,175,000

Down Payment: 20%

$235,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,935

Principal & Interest: $5,935

Est. Taxes & Insurance: $1,484

Estimated Total Monthly

$7,419

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$6,254

Property taxesest. at asking price, St. Johns County$1,564

HOAbilled annually$125

Estimated total, before insurance$7,942/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

Last sold: $1,103,200 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,019,644	$963,922	—
2024	$1,019,446	$964,446	—
2023	$150,000	$150,000	—

2025 property taxes (current owner): $15,872/yr

Estimated taxes if purchased at asking price: ~$18,800/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,568 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 15, 2026Listed$1,175,000

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

Features

Price$1,175,000

Price / Sq Ft$367

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,205

Acres0.37 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementarySabal Crest Academy

MiddleSabal Crest Academy

HighAllen D. Nease

Community Information

Address145 Windmill Palm Trail, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionPalmetto Cove

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size16,117.2 sq ft

Parcel Number0722620520

ZoningResidential

Amenities

AmenitiesManagement - Off Site, Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Water Softener Rented

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity System Owned, Smoke Detector(s), Other