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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in The Plantation, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

$2,499,0004 bd · 5 ba · 4,360 sq ft

Active·91 days on market·The Plantation

192 Twelve Oaks Lane

Ponte Vedra Beach, FL 32082

$2,499,000$573/sqftEst. $13,625/mo mortgageMLS# 2159038
4
Beds
5
Baths
4,360
Sq Ft
1990
Built
3
Garage
Yes
Pool

20 more homes for sale in The Plantation →Search The Plantation on the map

FEMA Zone XHOA $2046/mo0.45 acresSingle Family Residence2 stories

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About this home

The Plantation

Perfectly positioned along the picturesque 2nd fairway of The Plantation at Ponte Vedra, this exceptional residence offers breathtaking golf course views and an unmatched indoor-outdoor lifestyle designed for both everyday living and effortless entertaining. The heart of the home is the beautifully updated kitchen, which opens seamlessly to the spacious family room, creating the ideal gathering space for family and friends. A private home office with custom built-ins provides a quiet retreat for work, while the elegant living room overlooks the pool and lush golf course beyond. The spacious primary suite is a true retreat, featuring a cozy fireplace, tranquil views of the pool, and private access to the lanai, allowing you to step outside and enjoy the peaceful surroundings. The spa-inspired primary bath offers a luxurious escape with generous space, refined finishes, and a relaxing atmosphere designed for everyday comfort. Designed to maximize the home's spectacular setting

Next steps in The Plantation

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$13,625
Property taxesest. at asking price, St. Johns County$3,325
HOAbilled monthly$2,046
Estimated total, before insurance$18,996/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,499,000
$499,800
Loan Term
Monthly Payment
$13,625
Principal & Interest: $13,625
Property taxes (est.): $3,325
Insurance (est.): $1,666
Estimated Total Monthly
$18,616
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Tile — year not disclosed (home built 1990)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,519 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Aug 7, 2026Listed$2,499,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $637/sq ft; this home is listed at $573/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
265 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Nov 2026$2,275,000$6763/3.53,364110.2
116 Regents Place, Ponte Vedra Beach, FL 32082Listed by WILLIAM RAVEIS REAL ESTATEOct 2026$1,800,000$5374/33,355150.3
281 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$3,125,000$6644/4.54,705420.3
134 Muirfield Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Aug 2026$2,600,000$5535/4.54,7021740.3
120 Regents Place, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTYAug 2026$3,194,840$6374/5.55,0123060.4
264 Clearwater Drive, Ponte Vedra Beach, FL 32082Listed by GAILEY ENTERPRISES LLCAug 2026$1,500,000$3135/64,799210.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$2,499,000
Price / Sq Ft$573
Bedrooms4
Bathrooms5.00
Full Baths4
Half Baths2
Square Footage4,360
Acres0.45 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Gated CommunityYes

School Information

Zoned elementaryOcean Palms Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryOcean Palms
Reported middleAlice B. Landrum
Reported highPonte Vedra
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address192 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionThe Plantation At Pv
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size19,602 sq ft
Parcel Number0669130360
ZoningSingle Family

Amenities

AmenitiesBeach Access, Fitness Center, Gated, Golf Course, Pickleball, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral, Heat Pump
CoolingCentral Air, Multi Units
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces4
Fireplace FeaturesElectric, Gas, Wood Burning
# of Stories2
SecurityGated with Guard, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Lot DescriptionOn Golf Course
Patio / PorchCovered, Screened
RoofTile
ConstructionBrick, Frame
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedAugust 7, 2026
Days on Market91
HOA Fees$2,046 / Monthly
HOA FrequencyMonthly
HOA NameThe Plantation at PV
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About The Plantation

The Plantation is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all The Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines