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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 pool home in Ponte Vedra Beach.

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Active·49 days on market·The Plantation

105 Middleton Place

Ponte Vedra Beach, FL 32082

$3,150,000$544/sqftEst. $17,311/mo mortgageMLS# 2163397
3
Beds
4.5
Baths
5,788
Sq Ft
2000
Built
3
Garage
Yes
Pool

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

FEMA Zone XHOA $2022/mo0.67 acresWaterfrontSingle Family Residence2 stories

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About this home

The Plantation

Experience a rare water to golf lifestyle at 105 Middleton Place, where a long lagoon view opens across the 4th green and 5th tee, a perspective enjoyed by few homes in The Plantation. Set on 0.67 acres with 120 feet of lagoon frontage, this meticulously maintained residence spans 5,788 square feet and is designed for grand entertaining and effortless Florida living. Soaring ceilings, polished porcelain floors, dramatic chandeliers and walls of glass create luminous interiors flowing to an expansive screened lanai with a heated saltwater pool, spa, waterfall feature and outdoor kitchen. Three private bedroom suites, an executive office, flexible fitness or meditation room, tiered theater, custom wine cellar, wet bar and fireside primary retreat offer exceptional versatility. Automated Lutron lighting, whole-home audio and hurricane shutters add comfort, while a 22 kW generator powers refrigeration, two downstairs HVAC systems and select lighting in this guard-gated private club.

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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 · 7.32% · 30yr$17,311
Property taxesest. at asking price, St. Johns County$4,192
HOAbilled monthly$2,022
Estimated total, before insurance$23,524/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,394/yr · $1,199/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$3,150,000
$630,000
Loan Term
Monthly Payment
$17,311
Principal & Interest: $17,311
Property taxes (est.): $4,192
Insurance (est.): $2,100
Estimated Total Monthly
$23,602
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 (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 2000)

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: ~1,784 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 September 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.

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.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 7:33 AM, sunset 6:47 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$2,046,921$1,031,921—
2024$1,966,360$1,002,131—
2023$1,988,492$971,486—
2022$1,442,366$941,734—
2021$1,165,455$912,849—
2020$1,080,601$899,555—

2025 property taxes (current owner): $14,394/yr

Estimated taxes if purchased at asking price: ~$50,300/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 (2025), NEFMLS.

History

Price & status history

  • Sep 3, 2026Listed$3,150,000

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 $553/sq ft; this home is listed at $544/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
149 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLCMay 2026$2,150,000$4684/5.54,5921740.2
164 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Apr 2026$2,050,000$3554/55,776470.2
196 Twelve Oaks Lane, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$2,700,000$5695/5.54,745110.4
209 Plantation Circle, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PVMay 2026$4,229,000$5684/4.57,44630.5
152 Governors Road, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Apr 2026$2,550,000$5105/3.55,0001760.5
134 Muirfield Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Aug 2026$2,600,000$5535/4.54,7021740.6

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$3,150,000
Price / Sq Ft$544
Bedrooms3
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage5,788
Acres0.67 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Pool Sweep, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontYes
Gated CommunityYes
Direction FacesSoutheast

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

Address105 Middleton Place, 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 Size29,185.2 sq ft
Lot Dimensions205' x 170' x 120' x 200'
Parcel Number0669111040
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Pickleball, Playground, Security, Tennis Court(s), Trash
Community FeaturesStreet Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingCircular Driveway, Garage, Garage Door Opener
ViewGolf Course, Lake, Pool, Trees/Woods
Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Trash Compactor, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Multi Units, Zoned
FlooringCarpet, Marble, Tile
FireplaceYes
# of Fireplaces2
Fireplace FeaturesDouble Sided, Gas
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level, Sink
SecurityGated with Guard, Security System Owned, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesImpact Windows, Outdoor Kitchen, Storm Shutters
Lot DescriptionDead End Street, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofConcrete, Tile
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 3, 2026
Days on Market20
HOA Fees$2,022 / Monthly
HOA FrequencyMonthly
HOA NameThe Plantation at Ponte Vedra Beach
HOA Fee IncludesSecurity, Trash
Tax Amount$14,393.84
Tax Year2025
Listing TermsCash, Conventional
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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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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