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This home is in Ponte Vedra Landing, Ponte Vedra Beach.

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Active·1 day on market·Ponte Vedra Landing

193 Miraloma Lane

Ponte Vedra Beach, FL 32082

$485,000$304/sqftEst. $2,491/moMLS# 2161097

Beds

Baths

1,595

Sq Ft

1989

Built

Garage

Pool

About this home

Ponte Vedra Landing

Welcome to 193 Miraloma Lane, a rare four-bedroom home in the welcoming Ponte Vedra Landing neighborhood of Ponte Vedra Beach. Enjoy the convenience of a short bike ride to the beach, with popular restaurants, shopping, and everyday amenities all close by. Inside, the home features LVP flooring throughout the main the living space, fresh paint, and thoughtful updates. The kitchen offers stainless steel appliances, granite countertops, a pantry, and plenty of cabinet storage. Beyond the kitchen, the spacious dining and living area provides plenty of room to gather, unwind, and entertain. The generously sized primary suite offers excellent storage with three closets, along with a dedicated vanity and sink and a separate shower and toilet area. Three additional spacious bedrooms provide flexibility for family, guests, or a home office, while the updated guest bathroom adds a fresh, modern touch. Step outside to enjoy the screened-in lanai, perfect for relaxing or entertaining

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,491

Principal & Interest: $2,491

Property taxes (est.): $645

Insurance (est.): $323

Estimated Total Monthly

$3,459

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,491

Property taxesest. at asking price, St. Johns County$645

Estimated total, before insurance$3,136/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: material not specified — year not disclosed (home built 1989)

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

Solar potential: ~1,612 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