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This home is in The Plantation, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·1 day on market·The Plantation

108 Melrose Court

Ponte Vedra Beach, FL 32082

$3,375,000$881/sqftEst. $17,351/moMLS# 2161919

Beds

Baths

3,829

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

The Plantation

Welcome to 108 Melrose Court, a stunning 2024 custom-built residence by Generation Homes, ideally situated on a .23-acre homesite with beautiful water-to-golf views in The Plantation at Ponte Vedra Beach. Offering 3,829 SF, 5 bedrooms, 5.5 baths, a pool and spa, summer kitchen and 3-car garage, this nearly new home combines striking modern design with exceptional indoor-outdoor living. A soaring 24-foot foyer opens to a dramatic 22-foot living room, with 12-foot ceilings throughout the remainder of the main level and expansive windows framing the picturesque setting. At the heart of the home, the European-inspired kitchen features high-gloss white and warm white oak flat-panel cabinetry, an expansive waterfall quartz island, and professional appliances.

Cost to own

Mortgage calculator

Home Price

$3,375,000

Down Payment: 20%

$675,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$17,351

Principal & Interest: $17,351

Property taxes (est.): $4,491

Insurance (est.): $2,250

Estimated Total Monthly

$24,092

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$17,351

Property taxesest. at asking price, St. Johns County$4,491

HOAbilled monthly$2,331

Estimated total, before insurance$24,173/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,158/yr · $1,513/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): $18,158/yr

Estimated taxes if purchased at asking price: ~$53,900/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: Other — year not disclosed (home built 2024)

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: ~1,574 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 26, 2026Listed$3,375,000

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

Features

Price$3,375,000

Price / Sq Ft$881

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage3,829

Acres0.23 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesGas Heat, Heated

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address108 Melrose Court, 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 Size10,018.8 sq ft

Parcel Number0669152060

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management- On Site, Pickleball, Security, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewWater

Waterfront TypeLagoon

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral, Propane

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesOther

# of Stories2

LevelsTwo

LaundryIn Unit

Spa FeaturesIn Ground, Heated, Private