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 Palm Valley, Ponte Vedra Beach — a home near Ponte Vedra High School.

1 / 93

Active Under Contract

Active Under Contract·44 days on market·Palm Valley

127 S Roscoe Boulevard

Ponte Vedra Beach, FL 32082

$4,500,000$771/sqftEst. $23,158/moMLS# 2153990

Beds

Baths

5,835

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Palm Valley

Life on the Intracoastal at 127 S Roscoe has a rhythm of its own. Start the morning with a paddle, spend the afternoon cruising to St. Augustine for lunch, or enjoy an evening boat ride before heading home to relax by the pool. The covered cabana, outdoor kitchen, and fire pit make the backyard just as inviting as the water beyond it, with plenty of space for everything from quiet evenings to family celebrations. What makes the interior of this home especially memorable is its warmth. Cedar ceilings, exposed beams, natural wood accents, and fireplaces create a timeless feel that's elegant, and yet, so very comfortable. Large windows frame water views throughout the home, while the kitchen naturally becomes the gathering place, with its oversized island and a butler's pantry that opens to the living and dining areas. You'll also find fantastic storage, a pet room, and a temperature-controlled wine room just down the hall. Upstairs, the primary suite enjoys soothing water views

Cost to own

Mortgage calculator

Home Price

$4,500,000

Down Payment: 20%

$900,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$23,158

Principal & Interest: $23,158

Property taxes (est.): $5,988

Insurance (est.): $3,000

Estimated Total Monthly

$32,146

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$23,158

Property taxesest. at asking price, St. Johns County$5,988

Estimated total, before insurance$29,146/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

Last sold: $3,900,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$3,112,544	$3,062,544	—
2024	$278,803	$164,401	—
2023	$2,217,916	$969,225	—
2023	$259,928	$154,964	—
2022	$1,780,099	$939,539	—
2022	$250,670	$150,335	—
2021	$1,462,773	$910,717	—
2021	$215,474	$80,492	▲ $10,114
2020	$1,476,765	$897,453	—
2020	$200,147	$78,691	—

Estimated taxes if purchased at asking price: ~$71,900/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 (2024), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1990)

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

Likely septic · Private well (public record)

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: ~1,636 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 23, 2026Active Under Contract$4,500,000
Jul 6, 2026Listed$4,500,000

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

Features

Price$4,500,000

Price / Sq Ft$771

Bedrooms4

Bathrooms5.00

Full Baths5

Square Footage5,835

Acres0.92 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address127 S Roscoe Boulevard, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionPalm Valley

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size40,075.2 sq ft

Lot Dimensions100 x 400

Parcel Number0631400000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener, Other

ViewIntracoastal, Water

Waterfront TypeIntracoastal

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesConvection Oven, Dishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringStone, Wood

FireplaceYes

# of Fireplaces4

Fireplace FeaturesGas, Outside, Wood Burning

# of Stories2

LevelsTwo

LaundryUpper Level

SecuritySecurity Gate, Smoke Detector(s)