108 SETTLERS ROW N, Ponte Vedra Beach, FL, 32082 | $2,900,000

Tucked beneath a canopy of majestic oaks on a quiet double cul-de-sac street, this spectacular estate home is the very definition of sophisticated Florida living. Fully renovated with no expense spared, every corner of this 4-bedroom, 4-bath residence is a testament to thoughtful design, luxury craftsmanship, and timeless style.
Step through the front door and be captivated by soaring ceilings, rich wood floors, and dramatic floor-to-ceiling windows that bathe the interiors in golden Florida sunlight while framing breathtaking golf course views.
Architectural details abound, from elegant millwork to the carefully curated finishes that whisper of refined taste and modern comfort. A separate office with French doors offers a quiet, stylish workspace, while a versatile flex room off the primary suite provides endless possibilities — a second office, fitness studio, nursery, or private retreat tailored to your lifestyle.
The heart of the home is the stunning gourmet kitchen a true chef's delight with quartzite countertops, custom cabinetry, and top-tier appliances perfect for entertaining in effortless style. The primary suite is a private sanctuary, offering expansive golf views, spa-like luxury, and custom-designed closets tailored for the most discerning homeowner. Each secondary bedroom offers its own beautifully appointed full bath, ensuring comfort and privacy for family and guests alike. Step outside onto the expansive outdoor patio the ideal setting for al fresco dining, sunset cocktails, and simply enjoying the beauty of your surroundings. Whether hosting grand gatherings or savoring quiet mornings with coffee, the indoor and outdoor living spaces flow together seamlessly. A circular drive and an oversized side-entry three-car garage complete the property, combining functionality with elegant curb appeal. Located within the prestigious gates of The Plantation at Ponte Vedra Beach, residents enjoy unparalleled amenities, including private beach access, golf, tennis, pickleball, fitness center, and a vibrant social lifestyle.

Features

  • Amenities: Beach Access, Clubhouse, Gated, Golf Course, Park, Pickleball, Tennis Court(s)
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Style: Traditional
  • Year Built: 1997
  • Garage: 3-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 4,532
  • Acreage: 0.46
  • Est. Taxes: $22,635
  • HOA Fee: $1,885 Monthly
  • Lot Desc: On Golf Course
  • View: Golf Course
  • Elem. School: Ocean Palms
  • Middle School: Alice B. Landrum
  • High School: Ponte Vedra
  • Appliances: Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler
  • MLS#: 2084876
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /eprop/2084876/108settlersrown_pontevedrabeach_fl?source=qrflyer
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Listing courtesy of Berkshire Hathaway Homeservices Florida Network Realty

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

108 SETTLERS ROW N, Ponte Vedra Beach, FL, 32082

$2,900,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,320,000 $2,320,000 $2,320,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.625% 6.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.861% 6.727% 6.560%
Monthly Tax Payment $1,886 $1,886 $1,886
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $14,097 $14,855 $20,051
Total Monthly Payment $16,108 $16,866 $22,062

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.