This home is in The Plantation, Ponte Vedra Beach.

1 / 109

Active

Active·55 days on market·The Plantation

204 Settlers Row N

Ponte Vedra Beach, FL 32082

$3,700,000$692/sqftEst. $19,693/moMLS# 2146322

Beds

Baths

5,346

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

The Plantation

Set behind the gates of prestigious The Plantation at Ponte Vedra Beach, this extensively renovated golf course estate features a fully detached guest house complete with private bedroom, full bath, living room, and wet bar with refrigerator, sink, and coffee bar -- an exceptional offering for multigenerational living, long-term guests, executive office use, or private retreat space. Perfectly positioned along the 10th fairway, the property offers more than 5,300 square feet of beautifully updated living space with five ensuite bedrooms and thoughtfully designed indoor-outdoor entertaining areas. Originally transformed through a comprehensive renovation in 2022, the home showcases timeless finishes and thoughtfully curated design throughout, including a completely reimagined kitchen, updated baths, custom millwork, new flooring, fresh interior paint, designer lighting, and refined architectural details.

Cost to own

Mortgage calculator

Home Price

$3,700,000

Down Payment: 20%

$740,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$18,690

Principal & Interest: $18,690

Est. Taxes & Insurance: $4,672

Estimated Total Monthly

$23,362

*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$19,693

Property taxesest. at asking price, St. Johns County$4,923

HOAbilled monthly$2,046

Estimated total, before insurance$26,662/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: $2,749,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,287,511	$2,236,789	—
2024	$2,280,448	$2,230,448	—
2023	$2,304,122	$2,254,122	—
2022	$1,620,667	$1,570,667	—
2021	$1,185,238	$1,185,238	—
2020	$1,168,872	$1,168,872	—

2025 property taxes (current owner): $30,622/yr

Estimated taxes if purchased at asking price: ~$59,100/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1997)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,671 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 21, 2026Listed$3,700,000

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

Features

Price$3,700,000

Price / Sq Ft$692

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage5,346

Acres0.42 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address204 Settlers Row N, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionThe Plantation At Pv

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size18,295.2 sq ft

Parcel Number0669111106

ZoningResidential

Amenities

AmenitiesPool, Other, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Park, Pickleball, Playground, Sauna, Security, Tennis Court(s)

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

Water SourcePublic

ParkingGarage, Other

ViewGolf Course

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Outside, Wood Burning

# of Stories2

LaundryLower Level, Sink

Security24 Hour Security, Gated with Guard, Security Gate

Spa FeaturesIn Ground, Heated, Private