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This home is in L'Atrium, Ponte Vedra Beach.

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Active

Active·Listed today·L'Atrium

2445 Lorraine Court N

Ponte Vedra Beach, FL 32082

$650,000$345/sqftEst. $3,460/moMLS# 2156078
0
Beds
3
Baths
1,886
Sq Ft
1980
Built
2
Garage
No
Pool

About this home

L'Atrium

2445 Lorraine Court N is a 1,186 sq ft, 3 full bedroom, 3 full bathroom single family home located in the desirable L'Atrium neighborhood of Ponte Vedra Beach, FL. Situated at the end of a quiet cul-de-sac, this 1980 patio home features vaulted ceilings, a two-car garage, and a private low maintenance lot. Positioned in on a serene .17acre lot with mature landscaping, front porch and shaded back patio. Short walk/bike ride to schools, restaurants, grocery store, shopping and beach make this neighborhood the perfect location. Community Pool and Tennis Courts and shady sidewalks that lead to a dock make this a wonderful place to live your life. you will fall in love with this cozy home the minute you walk in.

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,304
Principal & Interest: $3,304
Est. Taxes & Insurance: $826
Estimated Total Monthly
$4,130
*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,460
Property taxesest. at asking price, St. Johns County$865
HOAbilled semi-annually$62
Estimated total, before insurance$4,386/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

2025 property taxes (current owner): $5,298/yr

Estimated taxes if purchased at asking price: ~$10,400/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, NEFMLS.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1980)

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

Solar potential: ~1,786 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

Price & status history

  • Jul 19, 2026Listed$650,000

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

Features

Price$650,000
Price / Sq Ft$345
Bedrooms0
Bathrooms3.00
Full Baths3
Square Footage1,886
Total Structure Area1,886 sq ft
Acres0.17 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
StylePatio Home
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address2445 Lorraine Court N, 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 Size7,405.2 sq ft
Parcel Number0622431041

Amenities

AmenitiesPool, Maintenance Grounds, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Detached, Garage, Off Street

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryIn Garage

Exterior

Exterior FeaturesBalcony
Lot DescriptionCul-De-Sac
Patio / PorchPatio, Porch
FencingFenced, Back Yard, Block
RoofShingle
ConstructionBlock, Stucco
Road FrontageCity Street

Additional Information

Date ListedJuly 19, 2026
Days on Market3
HOA Fees$369 / Semi-Annually
HOA FrequencySemi-Annually
HOA NamePlaza Property Services
Tax Amount$5,298.02
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

The neighborhood

About L'Atrium

L'Atrium is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all L'Atrium homes for sale →

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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