This home is in The Plantation, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·147 days on market·The Plantation
204 Settlers Row N
Ponte Vedra Beach, FL 32082
18 more homes for sale in The Plantation →Search The Plantation on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
Next steps in The Plantation
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 (that applies to the reference bill above too).
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 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 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
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.
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.
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 $637/sq ft; this home is listed at $692/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 120 Regents Place, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTY | Aug 2026 | $3,194,840 | $637 | 4/5.5 | 5,012 | 306 | 0.4 |
| 196 Governors Road, Ponte Vedra Beach, FL 32082Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Jun 2026 | $1,820,000 | $398 | 5/6 | 4,571 | 103 | 0.4 |
| 185 Retreat Place, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $2,575,000 | $682 | 4/4.5 | 3,775 | 123 | 0.5 |
| 281 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2026 | $3,125,000 | $664 | 4/4.5 | 4,705 | 42 | 0.6 |
| 149 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLC | May 2026 | $2,150,000 | $468 | 4/5.5 | 4,592 | 174 | 0.6 |
| 196 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Jun 2026 | $2,700,000 | $569 | 5/5.5 | 4,745 | 11 | 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: ONE SOTHEBY'S INTERNATIONAL 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 The Plantation
The Plantation is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all The Plantation homes for sale →Keep looking
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Your Local Realtor
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