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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 Palm Valley Gardens, Palm Valley — a pool home in Ponte Vedra Beach.

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Active

Active·Listed today·Palm Valley Gardens

60 Roscoe Boulevard N

Palm Valley, FL 32082

$1,225,000$479/sqftEst. $6,540/moMLS# 2166961
2
Beds
2
Baths
2,556
Sq Ft
1970
Built
—
Garage
Yes
Pool

7 more homes for sale in Palm Valley Gardens →Search Palm Valley Gardens on the map

No HOA0.99 acresSingle Family Residence1 story

About this home

Palm Valley Gardens

Set on a peaceful 1-acre lot in Ponte Vedra Beach, this spacious 2-bedroom, 2-bath pool home offers 2,556 square feet of living space and a unique combination of comfort, privacy, and indoor-outdoor living. Recent updates include fresh interior paint, new flooring throughout most of the home, a newer HVAC system, and a newly installed deck, providing a move-in-ready foundation for its next owner. Inside, the expansive living and dining area serves as the heart of the home, featuring a wood-burning fireplace, vaulted ceiling, built-in cabinetry and shelving, and an abundance of windows overlooking the generous backyard. The massive primary suite provides a private retreat with its own vaulted ceiling, sitting area with a second wood-burning fireplace, built-in desk and shelving, and a large, thoughtfully organized walk-in closet.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$6,540
Property taxesest. at asking price, St. Johns County$1,630
Estimated total, before insurance$8,170/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,251/yr · $938/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

$1,225,000
$245,000
Loan Term
Monthly Payment
$6,540
Principal & Interest: $6,540
Property taxes (est.): $1,630
Insurance (est.): $817
Estimated Total Monthly
$8,986
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: Shingle — year not disclosed (home built 1970)

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

Solar potential: ~1,525 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,251/yr

Estimated taxes if purchased at asking price: ~$19,600/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.

History

Price & status history

  • Sep 29, 2026Listed$1,225,000

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

Features

Price$1,225,000
Price / Sq Ft$479
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage2,556
Acres0.99 acres
Year Built1970
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address60 Roscoe Boulevard N, Palm Valley, FL 32082
Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd
SubdivisionPalm Valley Gardens
CityPalm Valley
CountySt. Johns
StateFL
Zip Code32082
Lot Size43,124.4 sq ft
Lot Dimensions100x451x104x452
Parcel Number0655100112

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street
ViewPond, Water

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl, Wood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stone, Stucco
Road SurfacePaved

Additional Information

Date ListedSeptember 29, 2026
Days on Market5
Tax Amount$11,250.85
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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 Palm Valley Gardens

Palm Valley Gardens is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all Palm Valley Gardens 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

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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