This home is in L'Atrium, Ponte Vedra Beach.

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Active·49 days on market·L'Atrium

2513 St Michel Court

Ponte Vedra Beach, FL 32082

$524,900$319/sqftEst. $2,794/moMLS# 2147001

Beds

Baths

1,645

Sq Ft

1980

Built

Garage

Pool

About this home

L'Atrium

New roof and HVAC!! This charming single-story home is freshly painted inside. It features vaulted ceilings and a stunning stone fireplace. The primary suite offers direct backyard access with a privacy fence, artificial turf, and a cozy outdoor lounge. Enjoy your community amenities including a resort-style pool, tennis and pickleball courts, sidewalks and scenic lake views. Minutes from world-class beaches, golf, dining, and shopping. A true piece of Florida paradise!

Cost to own

Mortgage calculator

Home Price

$524,900

Down Payment: 20%

$104,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,668

Principal & Interest: $2,668

Est. Taxes & Insurance: $667

Estimated Total Monthly

$3,335

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,794

Property taxesest. at asking price, St. Johns County$698

HOAbilled semi-annually$62

Estimated total, before insurance$3,554/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

Year	Market value	Taxable value	Change
2025	$449,228	$442,060	—
2024	$422,754	$401,873	—
2023	$419,280	$365,339	—
2022	$420,572	$332,126	—
2021	$301,933	$301,933	—
2020	$279,918	$278,551	—

Estimated taxes if purchased at asking price: ~$8,400/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1980)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,745 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