This home is in The Plantation, Ponte Vedra Beach.

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Active

Active·45 days on market·The Plantation

108 Planters Row W

Ponte Vedra Beach, FL 32082

$2,999,000$661/sqftEst. $15,244/moMLS# 2149193

Beds

Baths

4,536

Sq Ft

1991

Built

Garage

Yes

Pool

About this home

The Plantation

Nestled within the prestigious Plantation at Ponte Vedra Beach, this fully renovated luxury estate home offers the perfect blend of timeless elegance and modern sophistication. Thoughtfully redesigned and completely move-in ready, the residence features a highly desirable single-story floor plan with soaring vaulted ceilings that create an extraordinary sense of space and light throughout. At the heart of the home is a designer kitchen appointed with premium Sub-Zero, Viking, and Thermador appliances, custom cabinetry, and exceptional attention to detail. A stylish wet bar seamlessly connects the kitchen to the family room, creating the ideal setting for entertaining. From the home's primary living spaces, breathtaking water-to-golf views stretch across the picturesque 14th fairway, providing a stunning backdrop from sunrise to sunset. The grand living and dining rooms are highlighted by dramatic 20-foot ceilings, a custom fireplace, and walls of glass that frame the spectacular

Cost to own

Mortgage calculator

Home Price

$2,999,000

Down Payment: 20%

$599,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$15,244

Principal & Interest: $15,244

Property taxes (est.): $3,991

Insurance (est.): $1,999

Estimated Total Monthly

$21,234

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.55% · 30yr$15,244

Property taxesest. at asking price, St. Johns County$3,991

HOAbilled monthly$2,046

Estimated total, before insurance$21,280/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: $1,900,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,761,607	$1,649,905	—
2024	$1,659,642	$1,602,699	—
2023	$1,604,562	$1,554,562	—
2022	$1,166,419	$676,634	—
2021	$882,514	$648,741	—
2020	$828,667	$639,094	—

2025 property taxes (current owner): $22,717/yr

Estimated taxes if purchased at asking price: ~$47,900/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: Tile — year not disclosed (home built 1991)

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: ~1,759 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

As 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.

History

Price & status history

Jun 6, 2026Listed$2,999,000

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

Features

Price$2,999,000

Price / Sq Ft$661

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage4,536

Acres0.62 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address108 Planters Row W, 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 Number0669111009

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewGolf Course, Lake, Water

Waterfront TypeLagoon

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringMarble, Tile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories1