This home is in The Plantation, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Active·1 day on market·The Plantation
109 Carriage Court
Ponte Vedra Beach, FL 32082
About this home
The Plantation
Completely renovated from top to bottom and beautifully reimagined, this one-level residence is a true showpiece. Featuring 4 bedrooms plus a large office, 4 full baths, and 2 half baths, the home showcases high-end finishes throughout, professionally designed with every detail thoughtfully imagined. Sophisticated interiors flow effortlessly to exceptional outdoor living, where breathtaking water and golf views take center stage. A new bulkhead creates additional flat yard space, while sleek tempered glass fencing preserves the uninterrupted views. The extensive renovation includes a stunning kitchen addition and scullery with a separate dishwasher, ice maker, wine frig, microwave, incredible sauna in the primary bath, new roof, new HVAC systems, tankless water heater, whole-home generator, four-car garage, new doors and sliders, beautifully renovated pool, indoor & outdoor fireplaces, outdoor kitchen & a convenient pool half bath. Private Country Club! New Photos Coming!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $19,817/yr
Estimated taxes if purchased at asking price: ~$70,900/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, NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Concrete, Tile — year not disclosed (home built 1988)
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: ~1,691 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 homeAs 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 20, 2026Listed$4,440,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines