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124 WHATLEY Lane, Ponte Vedra Beach, FL, 32082 | $899,000
Welcome to this beautifully maintained, one-owner home built in 2020, ideally situated on a quiet cul-de-sac in one of the most family-friendly neighborhoods in Ponte Vedra Beach. Perfectly blending modern comfort with coastal convenience, this 3-bedroom, 2-bath home offers an exceptional lifestyle just minutes from everything. Set on an oversized premium lot with no direct rear neighbors the home offers an added level of privacy rarely found in the area. The backyard was thoughtfully designed for entertaining and relaxation with a private resort-style pool with sun shelf and extended paver patio, and plenty of space to enjoy Florida living year-round.
Inside, the home showcases extensive custom upgrades and designer finishes throughout, including a stunning built-in entertainment center, elegant board and batten detailing, custom carpentry accents, electronic window treatments, upgraded lighting, and a beautifully enhanced laundry room. The kitchen features a large farmhouse sink and opens seamlessly into the main living space, creating an ideal layout for both everyday living and entertaining. The spacious primary suite serves as a true retreat, highlighted by a completely custom luxury bathroom renovation completed at the end of 2025, featuring high-end finishes and spa-inspired design. Additional upgrades include custom closet systems, epoxy garage flooring with built-in storage, water softener system, and a durable metal roof for long-term peace of mind.
Enjoy the best of both worlds -- top-rated Ponte Vedra schools paired with the laid-back beach lifestyle. Conveniently located just minutes from shopping, dining, and everyday essentials, this home offers the perfect balance of convenience, privacy, and community.
This is a rare opportunity to own a newer, extensively upgraded home in one of the most desirable areas of Northeast Florida.
Features
- Bedrooms: 3
- Baths: 2 full
- Laundry: In Unit
- Year Built: 2020
- Garage: 2-car
- Heating: Central, Electric
- Cooling: Central Air, Electric
- Approx Sq. Feet: 1,658
- Acreage: 0.13
- Est. Taxes: $5,997
- HOA Fee: $788 Semi-Annually
- Elem. School: Ponte Vedra Rawlings
- Middle School: Alice B. Landrum
- High School: Ponte Vedra
- Pool: In Ground
- Appliances: Dishwasher, Disposal, Double Oven, Microwave, Refrigerator
- MLS#: 2144053
- Days on Market: 9 days
- Website: https://www.raveis.com
/prop/2144053/124whatleylane_pontevedrabeach_fl?source=qrflyer
Listing courtesy of O'MALLEY REAL ESTATE INC
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
124 WHATLEY Lane, Ponte Vedra Beach, FL, 32082
$899,000
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
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $719,200 | $719,200 | $719,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.362% | 6.385% | 6.223% |
| Monthly Tax Payment | $500 | $500 | $500 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,312 | $4,428 | $6,069 |
| Total Monthly Payment | $4,904 | $5,020 | $6,661 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388