Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in The Plantation, Ponte Vedra Beach — a pool home in Ponte Vedra Beach.

1 / 49

Active

Active·45 days on market·The Plantation

169 Plantation Circle S

Ponte Vedra Beach, FL 32082

$3,650,000$670/sqftEst. $18,610/moMLS# 2150927

Beds

Baths

5,449

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

The Plantation

Nestled on a private homesite with tranquil water views, this exceptional estate home in The Plantation at Ponte Vedra Beach offers timeless architecture, elegant detailing, and an ideal floor plan designed for both everyday living and entertaining. At the heart of the home is a stunning gourmet designer kitchen, thoughtfully appointed with premium appliances, custom cabinetry, generous workspace, and an inviting gathering area that seamlessly connects to the home's main living spaces. The expansive primary suite serves as a private retreat, featuring a sunlit sitting room overlooking the water, a luxurious spa-inspired bath, and exceptional closet space. Throughout the home, you'll find exquisite craftsmanship including extensive crown molding, custom built-ins, detailed millwork, and refined architectural accents. The grand living room showcases decorative ceiling beams and a fireplace, creating a warm and inviting atmosphere. A formal dining room provides an elegant setting for

Cost to own

Mortgage calculator

Home Price

$3,650,000

Down Payment: 20%

$730,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$18,610

Principal & Interest: $18,610

Property taxes (est.): $4,857

Insurance (est.): $2,433

Estimated Total Monthly

$25,901

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$18,610

Property taxesest. at asking price, St. Johns County$4,857

HOAbilled monthly$2,046

Estimated total, before insurance$25,513/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, 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$2,911,861	$1,268,817	—
2024	$1,973,879	$1,232,351	—
2023	$1,993,529	$1,195,001	—
2022	$1,288,458	$1,138,924	—
2021	$1,190,531	$1,104,295	—
2020	$1,138,358	$1,088,358	—

Estimated taxes if purchased at asking price: ~$58,300/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 2004)

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: ~1,692 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 16, 2026Listed$3,650,000

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

Features

Price$3,650,000

Price / Sq Ft$670

Bedrooms4

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage5,449

Acres0.51 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Salt Water

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address169 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 Size22,215.6 sq ft

Parcel Number0669120150

Amenities

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

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPool, Trees/Woods, Water

Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Oven, Induction Cooktop, Microwave, Refrigerator, Water Softener Owned, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air, Multi Units

FlooringMarble, Tile, Wood

# of Stories2

SecurityClosed Circuit Camera(s), Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private