This home is in Ponte Vedra Landing, Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·41 days on market·Ponte Vedra Landing

165 Las Palmas Lane

Ponte Vedra Beach, FL 32082

$425,000$399/sqftEst. $2,262/moMLS# 2148668

Beds

Baths

1,065

Sq Ft

1986

Built

Garage

Pool

About this home

Ponte Vedra Landing

Welcome to 165 Las Palmas Lane, a beautifully remodeled 3-bedroom, 2-bathroom home in the highly desirable Ponte Vedra Beach area. This move-in ready residence features a thoughtfully updated interior with modern finishes, an open and inviting floor plan, and abundant natural light throughout. The spacious living areas flow seamlessly into the updated kitchen, creating the perfect setting for everyday living and entertaining. The primary suite offers a private retreat with an updated bathroom, while two additional bedrooms provide flexibility for family, guests, or a home office. Enjoy Florida living at its best with a private outdoor space and a location just minutes from the beach, shopping, dining, golf courses, and top-rated St. Johns County schools. Whether you're looking for a primary residence, vacation home, or investment opportunity, this turnkey property offers the ideal combination of comfort, convenience, and coastal lifestyle.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,147

Principal & Interest: $2,147

Est. Taxes & Insurance: $537

Estimated Total Monthly

$2,683

*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$2,262

Property taxesest. at asking price, St. Johns County$566

Estimated total, before insurance$2,828/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	$306,095	$103,167	—
2024	$293,846	$99,552	—
2023	$286,589	$95,196	—
2022	$268,780	$90,967	—
2021	$204,877	$86,861	—
2020	$189,824	$84,971	—

2025 property taxes (current owner): $1,885/yr

Estimated taxes if purchased at asking price: ~$6,800/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1986)

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

Likely septic · Public water · St Johns County Utilities - water accounts

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,763 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