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

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Active

Active·1 day on market·The Plantation

105 Middleton Place

Ponte Vedra Beach, FL 32082

$3,150,000$544/sqftEst. $16,278/moMLS# 2163397

Beds

Baths

5,788

Sq Ft

2000

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$3,150,000

Down Payment: 20%

$630,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$16,278

Principal & Interest: $16,278

Property taxes (est.): $4,192

Insurance (est.): $2,100

Estimated Total Monthly

$22,569

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$16,278

Property taxesest. at asking price, St. Johns County$4,192

HOAbilled monthly$2,022

Estimated total, before insurance$22,491/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Concrete, Tile — year not disclosed (home built 2000)

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

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

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

Sep 3, 2026Listed$3,150,000

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

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

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

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

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