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 Gardens, Ponte Vedra — a home near Ponte Vedra High School.

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Active

Active·1 day on market·Palm Valley Gardens

28 N Roscoe Boulevard

Ponte Vedra, FL 32082

$2,975,000$1173/sqftEst. $15,310/moMLS# 2157049

Beds

Baths

2,536

Sq Ft

1979

Built

Garage

Pool

About this home

Palm Valley Gardens

A rare and remarkable offering in the heart of Palm Valley, where timeless coastal living meets endless possibility. Set along one of Ponte Vedra's most desirable corridors, 28 N Roscoe Boulevard presents an extraordinary 5-acre canvas with approximately 300 feet of frontage and 726 feet of depth - an exceptional opportunity to create a legacy property unlike anything else in the area. FLM is RES-A, one unit net per acre. 3.65 acres are uplands.

Cost to own

Mortgage calculator

Home Price

$2,975,000

Down Payment: 20%

$595,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$15,310

Principal & Interest: $15,310

Property taxes (est.): $3,959

Insurance (est.): $1,983

Estimated Total Monthly

$21,252

*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$15,310

Property taxesest. at asking price, St. Johns County$3,959

Estimated total, before insurance$19,269/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,156/yr · $96/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

2025 property taxes (current owner): $1,156/yr

Estimated taxes if purchased at asking price: ~$47,500/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.

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: Shingle — year not disclosed (home built 1979)

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

Likely septic

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: ~947 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 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