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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 Ponte Vedra Beach a home near Ponte Vedra High School.

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Active

Active·1 day on market

156 Hidden Palms Lane 102

Ponte Vedra Beach, FL 32082

$699,000$351/sqftEst. $3,702/moMLS# 2165858
3
Beds
2
Baths
1,991
Sq Ft
2006
Built
2
Garage
No
Pool
FEMA Zone XHOA $933/moCondominium1 story

About this home

Ponte Vedra Beach

Rare ground-floor opportunity in PVB's premier gated beach community! This stunning 3BR/2BA move-in-ready condo combines single-story convenience (no stairs!) with an attached 2-car garage—a highly sought-after feature in Florida.The bright, open floor plan features 10-foot ceilings, travertine floors, and premium plantation shutters. The updated kitchen showcases quartz countertops and a matching quartz breakfast table. Enjoy over $100k in premium smart upgrades, including a new HVAC, new water heater, Ring security, and motorized patio hurricane shutters—all seamlessly controlled via WiFi.Unwind on your private, screened-in pavered lanai or take advantage of the resort-style community pool, heated jacuzzi, and cabana. Ideally located within walking distance to the beach and minutes from top-tier shopping and dining. A perfect primary home or coastal retreat! .

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$3,702
Property taxesest. at asking price, St. Johns County$930
HOAbilled quarterly$933
Estimated total, before insurance$5,565/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,600/yr · $550/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

$699,000
$139,800
Loan Term
Monthly Payment
$3,702
Principal & Interest: $3,702
Property taxes (est.): $930
Insurance (est.): $466
Estimated Total Monthly
$5,098
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 — 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 2006)

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: ~1,763 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$490,000$490,000
2024$460,000$460,000
2023$552,200$552,200
2022$450,000$272,669
2021$314,000$263,271
2020$314,000$258,946

2025 property taxes (current owner): $6,600/yr

Estimated taxes if purchased at asking price: ~$11,200/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 21, 2026Listed$699,000

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

Features

Price$699,000
Price / Sq Ft$351
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,991
Year Built2006
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesEast

School Information

Community Information

Address156 Hidden Palms Lane 102, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionPortofino At Ponte Vedra
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0686100512
ZoningCondominium

Amenities

AmenitiesPool, Gated, Spa/Hot Tub
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingElectric
FlooringCarpet, Stone
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Patio, Screened
ConstructionConcrete, Stucco

Additional Information

Date ListedSeptember 21, 2026
Days on Market3
HOA Fees$2,800 / Quarterly
HOA FrequencyQuarterly
Tax Amount$6,599.62
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SIMP REALTY GROUP LLC · PaviPrad@gmail.com

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.

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

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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