4650 Palm Valley Road, Ponte Vedra Beach, FL 32082
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 21, 2026, 4650 PALM VALLEY Road in Palm Valley, Ponte Vedra Beach is listed at $2,450,000 (3,821 sq ft, about $641 per sq ft). That sits within a few percent of Palm Valley's median closed sale of $2,600,000 over the last 12 months (6 recorded sales). It has been 157 days on market, longer than the community's typical 64 days to contract. Listing facts: built in 2025, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2025 · 1 yrs
- 3,821 sq ft of living area
- 2-car garage
- 157 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 2025BuiltPer public record
- Jul 10, 2026First trackedObserved at $2,450,000
- 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.
Estimated monthly payment
- Principal & interest $12,974/mo 84%
- Taxes $1,756/mo 11%
- Insurance $660/mo 4%
- HOA $50/mo 0%
$15,440/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
62/100 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.
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.
The Momentum read
🟡 Asking $641 per square foot, about in line with the community’s $655 median. Palm Valley’s 12-month median sold price per square foot is $655. 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 September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
There is a different rhythm to this stretch of Palm Valley Road. More space. More privacy.
A setting that feels removed, yet still connected to everything that defines Ponte Vedra Beach.** Set on more than 1.05 acres, this modern farmhouse, completed just last May, offers something increasingly rare, the feeling of new construction paired with land, privacy, and room to live beyond the walls of the home. A place where mornings feel quiet, evenings unfold naturally, and outdoor living becomes part of your everyday rhythm. From the moment you arrive, the setting defines the experience.
Mature trees frame the property, creating a sense of seclusion, while the home itself opens with light, volume, and an effortless flow that feels both refined and livable. Inside, more than 3,800 square feet unfolds with wide plank wood floors, soaring ceilings, and a natural connection to the outdoors at every turn. At the center, the kitchen is designed as both a gathering place and a workspace, anchored by an oversized island, Thermador appliances, and a butler pantry tucked just beyond, allowing everything to function beautifully behind the scenes.
Living and dining spaces move seamlessly together, extending toward the covered patio where mornings begin quietly and evenings settle in with ease. The layout is both thoughtful and highly functional. The primary suite is located on the main level, along with a second bedroom and a dedicated office, creating flexibility for guests, multigenerational living, or working from home.
The primary suite itself is a retreat, with a spa like bath and a calm connection to the landscape beyond. A spacious laundry room supports the rhythm of daily life without interruption. Upstairs, three additional bedrooms, two full baths, and a loft come together to create a separate living space that feels ideal for family or guests.
Whether used as a media room, playroom, or quiet retreat, the loft adds another dimension to the home's design. Outside, the experience shifts. The scale of the land allows for something rarely found in Ponte Vedra Beach, space not just to design, but to live.
A newly installed pickleball and basketball court introduces a natural gathering place, where afternoons turn into evenings and time with friends and family unfolds with ease. And still, there is room for more. With no HOA, the property offers a level of flexibility that is increasingly hard to find.
Whether you envision a detached garage, guest house, ADU, or a fully realized outdoor living environment, the space is here to bring that vision to life, all without compromise. And yet, for all of its space and privacy, you are only minutes from the beach, TPC Sawgrass, and the area's most sought after dining and shopping. Zoned for top rated St.
Johns County schools, the location offers both convenience and long term value. A newer home, land to grow into, and a setting that allows you to live differently. This is where space, design, and lifestyle come together in a way that is no longer easy to find.
All 87 photos
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY 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
The Messtimate
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.
Actual list price: $2,450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 157 days on market vs. a 64-day community median
- 179 active listings competing, 83 under contract
For reference, this home is listed at $2,450,000 ($641/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,821 sq ft × $576–$734/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Similar homes for sale near Palm Valley
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.
Newest listings in Palm Valley
- 40 Spring Street · $349,999 · 3 bd / 1.0 ba · listed September 20, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
- 101 Oleta Way · $639,900 · 4 bd / 3.0 ba · listed September 19, 2026 (courtesy of MOXII PRO REALTY)
- 41 Cottage Green Place · $359,000 · 3 bd / 2.0 ba · listed September 18, 2026 (courtesy of HOUSE & HAVEN)
- 45 Oban Court · $649,700 · 4 bd / 2.5 ba · listed September 18, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
- 863 W 6th Street · $320,000 · 3 bd / 2.5 ba · listed September 16, 2026 (courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY)
- 155 Legendary Drive #207 · $224,000 · 2 bd / 2.0 ba · listed September 14, 2026 (courtesy of DAVIDSON REALTY, INC.)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · MLS # 2140484
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Recent sales activity in Palm Valley
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 Palm Valley neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Palm Valley
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
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.
Buyer research checklist
Items worth confirming for 4650 PALM VALLEY Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 3,821 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 $21,070/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.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: September 21, 2026) |
| Community market stats | realMLS closed sales, as of September 21, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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.
Frequently asked questions
How big is 4650 PALM VALLEY Road and when was it built?
Per the listing record, 4650 PALM VALLEY Road was built in 2025 and has 3,821 sq ft of living area, 5 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 4650 PALM VALLEY Road in?
4650 PALM VALLEY Road is in Palm Valley in Ponte Vedra Beach, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Palm Valley from the same MLS data.
Does 4650 PALM VALLEY Road have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 4650 PALM VALLEY Road differ from the current owner's?
The estimate on this page (about $21,070 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 4650 PALM VALLEY Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 4650 PALM VALLEY Road 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 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.
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.