The Plantation at Ponte Vedra Garden Homes

148 LAUREL LN

Ponte Vedra Beach, FL 32082
For Sale $2,049,000
3 bd · 4 ba · 3,543 sqft · Built 1994
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of FLORIDA HOMES REALTY & MTG LLC (gabriele@gabrielewalton.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

RARE LOT IN THE PLANTATION: ONE OF ~25 LOTS ON THE ''BIG LAKE''! --- THE RESIDENCE: A masterfully reimagined one-story residence featuring a multi-phase structural transformation. Reconfigured to maximize light, the home is anchored by 10-15ft ceilings, 8ft doors, and massive sliders opening to a screened pool. --- THE VIEW: Situated on one of ~25 premier lakefront lots, offering one of the rarest luxuries in 32082: total serenity and expansive ''Big Water'' views. --- INTERIOR: Stunning wood floors, designer kitchen, and 3.5 renewed baths with premium finishes. Every bedroom includes a private en-suite bath. --- BONUS: Additional 185 sqf of conditioned/decked storage above garage (PDS). --- LIFESTYLE: Immediate membership to private oceanfront Beach House, Arnold Palmer Signature Golf, Tennis, Pickleball, and luxury Clubhouse with dining, fitness, & massage. 24-hour gated security. A rare, turnkey retreat capturing the quiet majesty of Florida's natural landscape.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $71,715
$19,394/mo
Principal & interest$12,703
Property tax (est.)$1,941
Insurance (est.)$1,537
FHA MIP$906
HOA dues$2,307
CDD assessment$0
Cash to close: ~$71,715 down · MIP financed
VA
$0 down
$19,001/mo
Principal & interest$13,216
Property tax (est.)$1,941
Insurance (est.)$1,537
VA fee (financed)$0
HOA dues$2,307
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $409,800
$16,135/mo
Principal & interest$10,350
Property tax (est.)$1,941
Insurance (est.)$1,537
PMI$0
HOA dues$2,307
CDD assessment$0
Cash to close: ~$409,800 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.38% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built1994
SubdivisionThe Plantation at Ponte Vedra Garden Homes
Parcel (RE#)066915 1015
Legal description19/65-69 THE PLANTATION AT PONTE VEDRA GARDEN HOMES TRACT A LOT 15 OR4727/1543

Valuation · 2025

Value

Just / Market
$2,050,000
Assessed
$582,046
Taxable
$531,324
2025 Property Tax
$7,316
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$2,307 / Monthly
CDD Assessment

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
1992-10-23

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Licensed Real Estate Broker

List With Me

Selling in The Plantation at Ponte Vedra Garden Homes? List with the broker built for your community.

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works The Plantation at Ponte Vedra Garden Homes every day. We're on a mission to make community management more affordable: every home we sell helps fund reduced-cost management software and services for HOAs through MyHOAClub.

On the Market

Homes for Sale in The Plantation at Ponte Vedra Garden Homes

Other active MLS listings in The Plantation at Ponte Vedra Garden Homes.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 148 LAUREL LN?
The zoned public schools for 148 LAUREL LN in The Plantation at Ponte Vedra Garden Homes are Ocean Palms Elementary School (elementary), Alice B. Landrum Middle School (middle), Ponte Vedra High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 148 LAUREL LN?
The most recent annual property tax for 148 LAUREL LN is about $7,316 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 148 LAUREL LN?
Homes in The Plantation at Ponte Vedra Garden Homes have an HOA fee of about $2,307 per month (based on recent MLS listings).
What would the monthly payment be on 148 LAUREL LN?
At about a 6.49% 30-year rate, the estimated monthly payment for 148 LAUREL LN is roughly $16,135 with a conventional loan (20% down), $19,394 with FHA (3.5% down), or $19,001 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the The Plantation at Ponte Vedra Garden Homes HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.