This home is in The Plantation, Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·48 days on market·The Plantation

281 Plantation Circle S

Ponte Vedra Beach, FL 32082

$3,195,000$679/sqftEst. $17,005/moMLS# 2147316

Beds

Baths

4,705

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

The Plantation

Experience luxury resort-style living in the prestigious Plantation at Ponte Vedra Beach with this beautifully updated, move-in ready estate home perfectly positioned on the golf course with sweeping fairway views of the 8th hole. From the moment you enter, the home makes a stunning first impression as dramatic 9-foot sliding glass doors frame the sparkling resort-style pool and outdoor living area, seamlessly blending indoor and outdoor living. The elegant living room features a sleek linear fireplace and a temperature-controlled wine wall that any collector will appreciate. Designed for both everyday living and entertaining, the open-concept floor plan flows effortlessly into the gourmet kitchen appointed with premium Wolf and Sub-Zero appliances, while offering picturesque views of the pool, lanai, & expansive family room. The spacious first-floor primary suite is a private retreat featuring a sitting area with direct access to the pool and lanai, along with a spa-inspired bath

Cost to own

Mortgage calculator

Home Price

$3,195,000

Down Payment: 20%

$639,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$16,139

Principal & Interest: $16,139

Est. Taxes & Insurance: $4,035

Estimated Total Monthly

$20,174

*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$17,005

Property taxesest. at asking price, St. Johns County$4,251

HOAbilled monthly$2,046

Estimated total, before insurance$23,303/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	$1,790,361	$1,191,951	—
2024	$1,567,877	$1,157,651	—
2023	$1,582,623	$1,122,477	—
2022	$1,397,374	$1,088,327	—
2021	$1,105,172	$1,055,172	—
2020	$1,109,428	$1,059,428	—

2025 property taxes (current owner): $16,549/yr

Estimated taxes if purchased at asking price: ~$51,000/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: Tile — year not disclosed (home built 1993)

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: ~1,675 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

Jul 9, 2026Active Under Contract$3,195,000
May 27, 2026Listed$3,195,000

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

Features

Price$3,195,000

Price / Sq Ft$679

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,705

Acres0.62 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address281 Plantation Circle S, 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 Size27,007.2 sq ft

Parcel Number0669160230

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewGolf Course

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces3

# of Stories2

Spa FeaturesIn Ground, Private