The Plantation at Ponte Vedra

204 SETTLERS ROW N

Ponte Vedra Beach, FL 32082
For Sale $3,700,000
5 bd · 6 ba · Built 1997
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 ONE SOTHEBY'S INTERNATIONAL REALTY (john@lovethefloridalife.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

Set behind the gates of prestigious The Plantation at Ponte Vedra Beach, this extensively renovated golf course estate features a fully detached guest house complete with private bedroom, full bath, living room, and wet bar with refrigerator, sink, and coffee bar -- an exceptional offering for multigenerational living, long-term guests, executive office use, or private retreat space. Perfectly positioned along the 10th fairway, the property offers more than 5,300 square feet of beautifully updated living space with five ensuite bedrooms and thoughtfully designed indoor-outdoor entertaining areas.

Originally transformed through a comprehensive renovation in 2022, the home showcases timeless finishes and thoughtfully curated design throughout, including a completely reimagined kitchen, updated baths, custom millwork, new flooring, fresh interior paint, designer lighting, and refined architectural details.

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 · $129,500
$32,889/mo
Principal & interest$22,939
Property tax (est.)$3,493
Insurance (est.)$2,775
FHA MIP$1,636
HOA dues$2,046
CDD assessment$0
Cash to close: ~$129,500 down · MIP financed
VA
$0 down
$32,178/mo
Principal & interest$23,864
Property tax (est.)$3,493
Insurance (est.)$2,775
VA fee (financed)$0
HOA dues$2,046
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $740,000
$27,003/mo
Principal & interest$18,690
Property tax (est.)$3,493
Insurance (est.)$2,775
PMI$0
HOA dues$2,046
CDD assessment$0
Cash to close: ~$740,000 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.35% 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 built1997
SubdivisionThe Plantation at Ponte Vedra
Parcel (RE#)066911 1106
Legal description19/39-51 THE PLANTATION AT PONTE VEDRA UNIT ONE LOT 106 OR5557/1797

Valuation · 2025

Value

Just / Market
$3,700,000
Assessed
$2,287,511
Taxable
$2,236,789
2025 Property Tax
$30,289
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
$2,046 / Monthly
CDD Assessment

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

History

Sale History

DatePriceDeed
1996-05-10

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? 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 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

Other active MLS listings in The Plantation at Ponte Vedra.

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 204 SETTLERS ROW N?
The zoned public schools for 204 SETTLERS ROW N in The Plantation at Ponte Vedra 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 204 SETTLERS ROW N?
The most recent annual property tax for 204 SETTLERS ROW N is about $30,289 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 204 SETTLERS ROW N?
Homes in The Plantation at Ponte Vedra have an HOA fee of about $2,046 per month (based on recent MLS listings).
What would the monthly payment be on 204 SETTLERS ROW N?
At about a 6.49% 30-year rate, the estimated monthly payment for 204 SETTLERS ROW N is roughly $27,003 with a conventional loan (20% down), $32,889 with FHA (3.5% down), or $32,178 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 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.