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

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Active

Active·1 day on market·The Plantation

192 Twelve Oaks Lane

Ponte Vedra Beach, FL 32082

$2,499,000$573/sqftEst. $12,887/moMLS# 2159038

Beds

Baths

4,360

Sq Ft

1990

Built

Garage

Yes

Pool

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

Cost to own

Mortgage calculator

Home Price

$2,499,000

Down Payment: 20%

$499,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$12,887

Principal & Interest: $12,887

Property taxes (est.): $3,325

Insurance (est.): $1,666

Estimated Total Monthly

$17,878

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$12,887

Property taxesest. at asking price, St. Johns County$3,325

HOAbilled monthly$2,046

Estimated total, before insurance$18,258/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.

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 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

Aug 7, 2026Listed$2,499,000

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

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

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

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)

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