46 Windmill Palm Trail, Ponte Vedra, FL 32081
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 46 WINDMILL PALM Trail in Palmetto Cove, Ponte Vedra is listed at $1,185,000 (3,264 sq ft, about $363 per sq ft). That is 423% above Palmetto Cove's median closed sale of $226,500 over the last 12 months (12 recorded sales). Per square foot it is above the community's recent $189/sq ft by about 92%. It has been 109 days on market. Listing facts: built in 2024, HOA dues of $125/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2024 · 2 yrs
- 3,264 sq ft of living area
- 3-car garage
- Listed at $1,185,000 — recent neighborhood median sale price ~$226,500 (nearby sales; deemed reliable, not an appraisal)
- 109 days on market
- HOA $125/mo (per listing)
About this home
THE ULTIMATE NOCATEE LIFESTYLE-FULLY UPGRADED, EXCEPTIONALLY PRICED & AVAILABLE NOW! Located in highly coveted Palmetto Cove at Nocatee, this immaculate, turn-key Toll Brothers Scarlett floorplan offers more than $150K in high-end upgrades and custom finishes-already completed and ready to enjoy. Set on a spacious .27-acre cul-de-sac lot near preserve space, the home offers the breathing room that's increasingly hard to find in newer construction, with plenty of backyard space to create the outdoor lifestyle you want.
All appliances and TVs are included. Skip the builder wait times and design center markups-simply move in and start enjoying Nocatee today! Built in 2024, this better-than-new Toll Brothers home combines elevated finishes, thoughtful design, exceptional storage, and a flexible floor plan across 3,264 square feet.
Situated on a cul-de-sac lot near preserve space, it offers 4 bedrooms, 3.5 baths, a private office, oversized loft, and 3-car garage. Set on .27 acres, the spacious backyard offers something increasingly hard to find in newer construction-room to make it your own. Add a pool and spa, screened outdoor living, fire pit, or play space while still maintaining usable yard for kids and pets.
Inside, natural light, custom millwork, built-ins, and carefully selected finishes create a warm, elevated feel. A marble mosaic fireplace with floating mantel anchors the main living area, which opens to an upgraded kitchen featuring quartz countertops, stacked cabinetry, Kohler cast-iron farmhouse sink and faucet, gas cooktop, oversized island, and large walk-in pantry with butler's pantry potential. The first-floor primary suite features a spa-inspired bath with frameless glass shower, floor-to-ceiling zellige tile, rain shower head, full-height dual vanity, Kohler faucets, and polished nickel Rejuvenation fixtures.
A spacious walk-in closet with 10-foot ceilings provides incredible custom-closet potential. Also downstairs, the private office sits beside the half bath, offering flexibility for a future guest suite. Every bedroom has a walk-in closet, complemented by oversized under-stair storage, a dedicated walk-in storage closet, generous linen storage, added attic flooring, and garage shelving.
A custom drop zone and beautifully remodeled laundry room with cabinetry, folding space, hanging bar, and deep stainless-steel utility sink add even more everyday functionality. Upstairs, an oversized loft provides a second living or play space. Two bedrooms share a dual-vanity bath, while a separately positioned bedroom with adjoining bath offers additional privacy for family or guests.
Additional home features include a TAEXX® built-in pest control system, which allows pest treatments to be applied through a network within the home's walls, along with an in-ground termite bait system for added termite protection. Located just 1.6 miles from the waterway and paddle launch in one of Nocatee's desirable smaller communities with larger side-yard setbacks, this home offers space, privacy, and everyday convenience. Zoned for the newly opened Sabal Crest Academy, with a convenient school bus stop right at the neighborhood entrance, families can enjoy an easy school-day routine along with golf-cart access to Nocatee's world-class amenities, top-rated St.
Johns County schools, and beaches just minutes away.
All 76 photos
Description provided by LOKATION 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 $6,564/mo 79%
- Taxes $1,273/mo 15%
- Insurance $328/mo 4%
- HOA $125/mo 2%
$8,289/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 46 Windmill Palm Trail
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 $11,750/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,185,000 and the first-year bill resets to about $15,275/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. |
|---|---|
| HOA dues | $125/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 $3,000–$5,500/yr; neither is a quote. |
| Roof and age | Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $1,513/month (tax $1,273, HOA $125, 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 Palmetto Cove market
How this home is priced against recent nearby sales, and where Palmetto Cove 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.
This home’s history
- 2024BuiltPer public record
- About Jun 2026Listed (per MLS)MLS reports 109 cumulative days on market as of October 14, 2026
- Oct 13, 2026First seen on movewithmomentum.comObserved at $1,185,000
- 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 within about 3 miles 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: $226,500 ($189/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 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($923,447) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $1,185,000 ($363/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 24% 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.
- Carrying costs & concessions — this home carries HOA dues of $125/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 109 days on market vs. a 76-day community median
- 346 active listings competing, 170 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + 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 14, 2026.
Momentum Property Score
41/100 is below average 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
🟡 Asking $363 per square foot, about 92% above the community’s $189 median. Palmetto Cove’s 12-month median sold price per square foot is $189. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LOKATION · MLS # 2152195
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Similar homes for sale near Palmetto Cove
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.
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More on Palmetto Cove
Go deeper on Palmetto Cove
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 46 WINDMILL PALM Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $125/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 3,264 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 $15,275/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,525 more per year than the current owner’s estimated bill (+30%). 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 14, 2026) |
| Comparable sales | realMLS closed sales within about 3 miles, last 18 months, as of October 14, 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 46 WINDMILL PALM Trail and when was it built?
Per the listing record, 46 WINDMILL PALM Trail was built in 2024 and has 3,264 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 46 WINDMILL PALM Trail in?
46 WINDMILL PALM Trail is in Palmetto Cove in Ponte Vedra, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 46 WINDMILL PALM Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $125 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 46 WINDMILL PALM Trail differ from the current owner's?
The estimate on this page (about $15,275 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,525 more per year than the current owner’s estimated bill (+30%). 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.
Is 46 WINDMILL PALM Trail 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.
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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.