59 days on marketSingle Family Residence▼ Price cut: $77,000 (8/29)
$515,000
3-Bedroom Home in L Atrium
2445 LORRAINE Court, Ponte Vedra Beach, FL 32082
Single Family Residence in L Atrium, Ponte Vedra Beach · No CDD
L Atrium · Ponte Vedra Beach, FL 32082 · St. Johns
Listing data updated September 13, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
1,886Sq Ft
1980Year Built
$273Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
17% below
$/sq ft vs community
$273 here vs $330 median sold (12 mo)
Buyer leverage
Buyer advantage
59 days on market
4.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 10
Price vs recent sales
Asking $515k tops 6 of the last 10 closed sales; also one of the largest homes here at 1,886 sq ft
As of September 13, 2026, 2445 LORRAINE Court in L Atrium, Ponte Vedra Beach is listed at $515,000 (1,886 sq ft, about $273 per sq ft). That sits within a few percent of L Atrium's median closed sale of $492,500 over the last 12 months (10 recorded sales). Per square foot it is below the community's recent $330/sq ft by about 17%. It has been 59 days on market, longer than the community's typical 14 days to contract. Listing facts: built in 1980, HOA dues of $62/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1980 · 46 yrs
1,886 sq ft of living area
2-car garage
Listed at $515,000 — recent neighborhood median sale price ~$492,500 (nearby sales; deemed reliable, not an appraisal)
59 days on market
HOA $62/mo (per listing)
School district: Schools St. Johns County SchoolsCommunity built 1980–1984Trasca and Co Eatery · 2 min driveSawgrass Village Shopping Center · 3 min driveStarbucks · 3 min drive
Momentum Research · L Atrium
Pricing & the L Atrium market
How this home is priced against recent nearby sales, and where L Atrium has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in L Atrium
Each dot is a closed sale since 2001 (285 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $273/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 36 (cold).
Property timeline
This home’s history
1980BuiltPer public record
Aug 4, 2026First trackedObserved at $650,000
Aug 7, 2026Price cut$620,000
Aug 16, 2026Price cut$592,000
Aug 29, 2026Price cut$515,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,385/mo
Principal & interest $2,675/mo79%
Taxes $369/mo11%
Insurance $279/mo8%
HOA $62/mo2%
$3,385/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,800/yr ($400/mo)
+$1,475 more each year
(+31%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$105,565
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
68/100
Strongest on: Price vs area (93), Renovation upside (73)
0 limited50100 exceptional
68/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area93
This home $273/sq ft vs the community 12-month median $330/sq ft.
Affordability42
List price $515,000 vs the community median $492,500. Not a measure of personal affordability.
Market liquidity66
Community median 14 days on market, ~4.8 months of supply (12-month record).
Renovation upside73
From a 1980 build and $273/sq ft vs the community median $330/sq ft. Not a condition assessment.
Pricing power71
Recent sales closed at about 93.7% of original asking (~6.3% below). More room below asking generally favors buyers.
Market timing64
Momentum Market Heat is 36/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.8 months of supply in the surrounding market and 59 days on market for this home, against a 14-day area median.Days on market:this home 59Area median: 14 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 12, 2026.
🟡 Asking $273 per square foot, about 17% below the community’s $330 median. L Atrium’s 12-month median sold price per square foot is $330. Median sold price per square foot is down 8.8% year over year. Confidence: Medium · 10 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent L Atrium sales closed near 93.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in L Atrium, no CDD assessment.
Updated September 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
2445 Lorraine Court N is a 1,886 sq ft, 3 full bedroom, 3 full bathroom single family home located in the desirable L'Atrium neighborhood of Ponte Vedra Beach, FL. Situated at the end of a quiet cul-de-sac, this 1980 patio home features vaulted ceilings, a two-car garage, and a private low maintenance lot. Positioned in on a serene .17acre lot with mature landscaping, front porch and shaded back patio.
Short walk/bike ride to schools, restaurants, grocery store, shopping and beach make this neighborhood the perfect location. Community Pool and Tennis Courts and shady sidewalks that lead to a dock make this a wonderful place to live your life. You will fall in love with this cozy home the minute you walk in.
Description provided by PONTE VEDRA CLUB REALTY, INC. and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$515,000
Bed / bath3 / 3
Living area1,886 sq ft
Year built1980
Property typeSingle Family Residence
Garage2-car
MLS #2156078
Listing status59 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~10 ft
Windstorm exposureModerate
CountySt. Johns
Area listings4 active · 1 under contract
Estimated first-year tax~$4,429/yr
CDD assessmentNone on record
HOA (per listing)$62/mo
Calculated estimates
Price per sq ft$273
Estimated monthly payment$3,385
Insurance (illustrative)$2k–$5k/yr
Messtimate range$552,598 – $584,660
Comparable-sales median$492,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$552,598the mess$584,660
Actual list price: $515,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 6% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1980 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $62/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 59 days on market vs. a 14-day community median
4 active listings competing, 1 under contract
≈4.8 months of supply
10 closed here in the last 12 months
For reference, this home is listed at $515,000 ($273/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,886 sq ft × $293–$310/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 13, 2026.
Keep looking
Similar homes for sale near L Atrium
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $515,000Momentum Realty · on market 59 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,429/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$5k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$62/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~10 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by PONTE VEDRA CLUB REALTY, INC. · MLS # 2156078
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Market data · public records
Recent sales activity in L Atrium
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the L Atrium neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$492,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$330
Canonical 12-month median $/sq ft. Reference only.
Go deeper on L Atrium
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 13 miles south of Latrium Ponte Vedra, elsewhere in St. Johns County.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 13 miles southeast of Latrium Ponte Vedra, elsewhere in St. Johns County.
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
Why it matters: Added grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The project is about 12 miles south of Latrium Ponte Vedra, elsewhere in St. Johns County.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles north of Latrium Ponte Vedra.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
The Fresh Market 4 min
Dining
Trasca and Co Eatery 2 min
Shopping
Sawgrass Village Shopping Center 3 min
Parks
Bird Island Park 6 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Ponte Vedra RawlingsAssigned elementary school · St. Johns County School District
GRADEA
Alice B. LandrumAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Ponte VedraAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Courtesy of COMMUNITY REALTY ASSOCIATES · View details →
Sold Jun 2026
$500,000
2437 BURGUNDY Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,612 sq ft · $310/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold Dec 2025
$575,000
2770 BORDEAUX Court, Ponte Vedra Beach
3 / 2.5 bd/ba · 2,178 sq ft · $264/sq ft
Courtesy of PONTE VEDRA COASTAL REALTY, INC. · View details →
Sold May 2026
$460,000
2746 BIARRITZ Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,568 sq ft · $293/sq ft
Courtesy of WATSON REALTY CORP · View details →
Community 12-month median: $330/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,360 – $3,433/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,094 – −$129At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2445 LORRAINE Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1980 (46 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $62/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,886 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,429/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 13, 2026)
Community market stats
realMLS closed sales, as of September 12, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2445 LORRAINE Court and when was it built?
Per the listing record, 2445 LORRAINE Court was built in 1980 and has 1,886 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2445 LORRAINE Court in?
2445 LORRAINE Court is in L Atrium in Ponte Vedra Beach, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for L Atrium from the same MLS data.
Does 2445 LORRAINE Court have an HOA, and how much are the dues?
The listing reports HOA dues of $62 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2445 LORRAINE Court differ from the current owner's?
The estimate on this page (about $4,429 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2445 LORRAINE Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 2445 LORRAINE Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
