32 Palm Island Way, Ponte Vedra, FL 32081
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 19, 2026, 32 PALM ISLAND Way in Coastal Oaks At Nocatee, Ponte Vedra is listed at $1,350,000 (3,294 sq ft, about $410 per sq ft). That is 27% above Coastal Oaks At Nocatee's median closed sale of $1,065,000 over the last 12 months (50 recorded sales). Per square foot it is above the community's recent $328/sq ft by about 25%. It has been 20 days on market. Listing facts: built in 2018, a private pool, HOA dues of $255/mo, a CDD assessment of about $2,300/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$2,300/yr
- Built 2018 · 8 yrs
- 3,294 sq ft of living area
- 3-car garage
- Listed at $1,350,000 — recent neighborhood median sale price ~$1,065,000 (nearby sales; deemed reliable, not an appraisal)
- 20 days on market
- HOA $255/mo (per listing)
About this home
This is the fully upgraded Coastal Oaks home you've been waiting for. Set against a peaceful and private backdrop, on a cul-de-sac lot featuring preserve both front and back, this 4-bedroom, 4-bath custom pool home has been elevated with approximately $450,000 in thoughtfully curated improvements, combining exceptional craftsmanship, designer finishes, significant storage, and highly functional living spaces throughout. An upgraded glass-panel front door welcomes you into a light-filled entry with twelve-foot ceilings, where custom millwork, crown molding, and designer lighting immediately set the tone.
French doors lead to a front office with dramatic blue shiplap walls and floating shelves bathed in morning sunlight. A formal dining room is currently transformed into a sitting room/lounge that showcases custom woodwork throughout and a white stacked-stone electric fireplace with inset lighting. The main living area makes an equally impressive statement with a dramatic shiplap accent wall, custom detailing on the tray ceiling, and a beautifully integrated built-in entertainment center.
Throughout the home, extensive custom cabinetry and built-ins provide an extraordinary amount of storage without sacrificing style. In the chef's kitchen with upgraded appliances and cooktop, the stacked cabinets include LED lighting through glass doors to create the perfect atmosphere for entertaining. A fully revamped walk in annex pantry features custom drawers and shelving with butcher-block countertops.
The laundry room has been renovated with custom cabinetry, glass-front storage, butcher-block counters, a built-in drop zone, upgraded washer and dryer, wallpaper, and new flooring. The primary suite facing the pool and preserve is a true private retreat, with shiplap walls, an electric fireplace and custom mantle. Its exceptional double-length closet features lighted glass cabinetry, 18 dresser drawers, hidden laundry storage and a dedicated jewelry drawer.
The primary bath (fully renovated this year) is equally striking, with a dramatic marble feature wall, oversized dual-head shower, double vanities, custom-designed cabinetry, top of the line finishes, and abundant built-in linen storage. There is a built-in seven-drawer seated vanity that can be easily changed into a free-standing tub with all necessary plumbing in place. The spacious first-floor guest rooms feature charming beadboard and wallpaper accent walls.
An additional retreat/flex room offers a full wall of custom built-in entertainment and storage cabinetry, along with a matching custom desk that is not permanent, should the room be used for television or as a playroom. A customized appliance and storage closet adds even more versatility to the space. Upstairs, a spacious secondary main suite offers a full bath and walk-in closet, plus an expansive loft suitable as a media room, gym, or play area.
The second floor features hardwood floors, a large built-in entertainment and storage cabinet with inset lighting, and a convenient dry bar with refrigerator. Just beyond, a rare walk-in attic has been converted to nearly 300 square feet of easily accessible, brightly lit, and climate controlled storage and HVAC access--an exceptional feature that adds tremendous everyday functionality. But it is the private, resort-style backyard that makes this home a gem.
The expansive pool and patio is designed as a true extension of the home. A 20' x 20' saltwater pool built in 2025 is surrounded by elegant porcelain pavers and AstroTurf accents, with a granite-topped stacked stone gas firepit plus a paver walkway to complete the space. The full cage screen features a solid 45-foot length with no support visible for an unusually open, uninterrupted connection to the natural setting.
In addition, LED sconce lighting built into the sides of the screen add dramatic and festive evening lighting. The completely covered summer kitchen is made for entertaining, set under a sliding window that provides l…
All 97 photos
Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $7,478/mo 76%
- Taxes $1,458/mo 15%
- Insurance $430/mo 4%
- HOA $255/mo 3%
- CDD $192/mo 2%
$9,813/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 32 Palm Island Way
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $10,150/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,350,000 and the first-year bill resets to about $17,500/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.47 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $2,300/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $255/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,500–$7,500/yr; neither is a quote. |
| Roof and age | Built in 2018. An original roof is about 8 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $2,020/month (tax $1,458, CDD $192, HOA $255, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Coastal Oaks At Nocatee market
How this home is priced against recent nearby sales, and where Coastal Oaks At Nocatee 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 Coastal Oaks At Nocatee
Each dot is a closed sale since 2007 (1149 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 $410/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 40 (normal).
This home’s history
- 2018BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 20 cumulative days on market as of October 19, 2026
- Sep 29, 2026First seen on movewithmomentum.comObserved at $1,350,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Coastal Oaks At Nocatee in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $1,065,000 ($328/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 8 comparable closed sales in Coastal Oaks At Nocatee (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($846,365) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,983 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.2% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-19.
Actual list price: $1,350,000 ($410/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 22% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — this home carries HOA dues of $255/mo and a CDD assessment of about $2,300/yr; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 20 days on market vs. a 40-day community median
- 13 active listings competing, 3 under contract
- ≈3.1 months of supply
- 50 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (8) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 19, 2026.
Momentum Property Score
39/100 is limited 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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.1 months of supply in the surrounding market and 20 days on market for this home, against a 40-day area median.Days on market:this home 20Area median: 40 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 October 18, 2026.
🟡 Asking $410 per square foot, about 25% above the community’s $328 median. Coastal Oaks At Nocatee’s 12-month median sold price per square foot is $328. Median sold price per square foot is up 9.2% year over year. Confidence: Very High · 50 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.
82% of homes in Coastal Oaks At Nocatee are owner-occupied. An estimated 18% are non-owner-occupied, including 11% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 289 homes matched. Community-level context.
Recent Coastal Oaks At Nocatee sales closed near 95.5% 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 October 18, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 13 active listings in Coastal Oaks At Nocatee.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS · MLS # 2166817
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More on Coastal Oaks At Nocatee
Go deeper on Coastal Oaks At Nocatee
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.
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 32 PALM ISLAND Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $255/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $2,300/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- 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.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 3,294 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 $17,500/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+72%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 19, 2026) |
| Comparable sales | realMLS closed sales in Coastal Oaks At Nocatee, last 18 months, as of October 18, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| 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.
Frequently asked questions
How big is 32 PALM ISLAND Way and when was it built?
Per the listing record, 32 PALM ISLAND Way was built in 2018 and has 3,294 sq ft of living area, 4 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 32 PALM ISLAND Way in?
32 PALM ISLAND Way is in Coastal Oaks At Nocatee in Ponte Vedra, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 32 PALM ISLAND Way have an HOA, and how much are the dues?
The listing reports HOA dues of $255 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $2,300 per year; confirm the exact figure with the county.
Why might property taxes on 32 PALM ISLAND Way differ from the current owner's?
The estimate on this page (about $17,500 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,350 more per year than the current owner’s estimated bill (+72%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 32 PALM ISLAND Way?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 32 PALM ISLAND Way 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.
See 32 PALM ISLAND Way in person
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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
MLS / IDX. The data relating to real estate for sale on this web site 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 Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.