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 Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·9 days on market

108 Valley Gardens Road

Ponte Vedra Beach, FL 32082

$620,000Est. $3,161/moMLS# 2156804

Beds

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Garage

Pool

About this home

Ponte Vedra Beach

Final opportunity to build your dream home with Glenn Layton Homes in Palm Valley Gardens, an intimate enclave of just eight custom homes in the heart of Ponte Vedra Beach! Lot 5 is 100' wide at rear lot line and features a wetland conservation area on the front creating natural buffer and privacy from neighbor. This homesite is approximately 0.52 acres and is construction-ready with a 70' build pad. A rarity along Roscoe, it is served by public water and sewer. Enjoy the best of Palm Valley living, where beach days, championship golf, boating, local restaurants, and top-rated St. Johns County schools are all just minutes away. Ask about the proposed Oak House floor plan which showcases one vision for the homesite with 5 bedrooms, 5.5 bathrooms, and a loft -- thoughtfully designed for luxury coastal living. Buyers may modify the plan or work alongside architect to design a fully custom residence tailored to their lifestyle.

Cost to own

Mortgage calculator

Home Price

$620,000

Down Payment: 20%

$124,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,161

Principal & Interest: $3,161

Property taxes (est.): $825

Insurance (est.): $413

Estimated Total Monthly

$4,400

*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$3,161

Property taxesest. at asking price, St. Johns County$825

HOAbilled quarterly$223

Estimated total, before insurance$4,209/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	$425,000	$425,000	—

Estimated taxes if purchased at asking price: ~$9,900/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 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: material not specified

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

Solar potential: ~1,552 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