This home is in Palm Valley — a waterfront home in Ponte Vedra Beach.
Pending·4 days on market
12326 Arbor Drive
Palm Valley, FL 32082
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Valley
A premier gated community in Ponte Vedra Beach. Tucked on a quiet street in The Arbors, this turn-key, elevated and fully renovated single-family home offers a refined, low-maintenance lifestyle with modern finishes and move-in-ready convenience.
Next steps in Ponte Vedra Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,534 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $618,403 | $618,403 | — |
| 2024 | $530,875 | $187,427 | — |
| 2023 | $535,540 | $180,512 | — |
| 2022 | $450,301 | $173,798 | — |
| 2021 | $363,824 | $167,280 | — |
| 2020 | $338,067 | $164,280 | — |
2025 property taxes (current owner): $8,663/yr
Estimated taxes if purchased at asking price: ~$12,000/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
- Oct 6, 2026Pending$750,000
- Oct 6, 2026Listed$750,000
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 $392/sq ft; this home is listed at $396/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 140 Bermuda Court, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $492,000 | $273 | 3/2 | 1,803 | 17 | 0.6 |
| 146 Bermuda Court, Ponte Vedra Beach, FL 32082Listed by MOMENTUM REALTY | Jun 2026 | $480,000 | $311 | 2/2 | 1,545 | 482 | 0.6 |
| 5144 Otter Creek Drive, Ponte Vedra Beach, FL 32082Listed by 1 REALTY CORP | Sep 2026 | $1,000,000 | $492 | 4/2 | 2,033 | 55 | 0.7 |
| 103 Citrus Lane, Ponte Vedra Beach, FL 32082Listed by BEST COAST REALTY LLC | Sep 2026 | $465,000 | $283 | 4/2 | 1,642 | 7 | 0.9 |
| 74 Sanchez Drive E, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $635,000 | $392 | 3/2 | 1,619 | 0 | 0.9 |
| 5119 Otter Creek Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $895,000 | $417 | 3/2.5 | 2,148 | 188 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
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.
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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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines