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 L'Atrium, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·45 days on market·L'Atrium

2451 Lorraine Court S

Ponte Vedra Beach, FL 32082

$564,000$355/sqftEst. $2,909/moMLS# 2152698

Beds

Baths

1,589

Sq Ft

1980

Built

Garage

Pool

About this home

L'Atrium

Beautifully updated and move-in ready, this 3-bedroom, 2-bath home is located in the desirable L'Atrium community of Ponte Vedra Beach. Just a short walk to the beach, shopping, dining and top-rated St. Johns County schools, this home offers an exceptional blend of location, lifestyle and modern updates. Inside you'll find luxury vinyl flooring throughout, renovated bathrooms, abundant natural light, an open floor plan and spacious living areas. Additional improvements include updated windows and sliding glass doors, roof, HVAC, water heater, paver driveway and walkways, covered patio, gutters, Culligan water softener, fresh exterior paint and a 2-car garage. Enjoy a private courtyard plus resort-style community amenities including a pool, tennis and pickleball courts, scenic lake views and sidewalks throughout the neighborhood. Some listing photos have been virtually staged to illustrate the home's furnishing potential. The home is currently vacant.

Cost to own

Mortgage calculator

Home Price

$564,000

Down Payment: 20%

$112,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,909

Principal & Interest: $2,909

Property taxes (est.): $751

Insurance (est.): $376

Estimated Total Monthly

$4,035

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,909

Property taxesest. at asking price, St. Johns County$750

HOAbilled semi-annually$62

Estimated total, before insurance$3,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,296/yr · $191/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$457,850	$133,694	—
2024	$421,036	$118,851	—
2023	$417,935	$113,933	—
2022	$420,599	$109,158	—
2021	$303,075	$104,522	—
2020	$280,974	$102,389	—

2025 property taxes (current owner): $2,296/yr

Estimated taxes if purchased at asking price: ~$9,000/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 — 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 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: ~1,727 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

Jul 26, 2026Price change$564,000−$10,900
Jun 27, 2026Listed$574,900

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

Features

Price$564,000

Price / Sq Ft$355

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,589

Acres0.09 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address2451 Lorraine Court S, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionL Atrium

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size3,920.4 sq ft

Parcel Number0622432009

ZoningResidential

Amenities

AmenitiesPool, Pickleball, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Tub with Shower, Smart Thermostat, Vaulted Ceiling(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

SecuritySmoke Detector(s)