This home is in St. Johns — a home near Creekside High School.
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Sold·Closed Dec 13, 2024·10 days on market·Recent sales in St. Johns County
1278 Fruit Cove Drive S
St. Johns, FL 32259
About this home
St. Johns
Back on the market. Buyers did not close on time. Beautiful brick 4 bedroom/3 bathroom home located in the highly sought after St John's School District! Freshly painted inside and out, new carpet in bedrooms, formal living room/dining room, family room with fireplace, and eat-in kitchen. Spacious 0.39 acre lot with very large shed for extra storage, white vinyl-fencing, and irrigation well hooked up to front and back sprinkler system. Bring your boat and RV! Ready to move right in for a young first-time home buyer or retiring couple who enjoy gardening. Close to Publix, restaurants, coffee shops, etc. No CDD or HOA!
Next steps in St. Johns County
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1978)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,611 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $1,405/yr
Estimated taxes if purchased at asking price: ~$6,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Nov 25, 2024Listed$449,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $245/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1440 Forest Lane, St. Johns, FL 32259Listed by LIVE LOVELY REALTY LLC | Jul 2026 | $495,900 | $245 | 4/2 | 2,028 | 18 | 0.3 |
| 405 Lolly Lane, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $478,000 | $220 | 4/2 | 2,170 | 0 | 0.7 |
| 244 Clover Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $412,000 | $239 | 3/2 | 1,723 | 18 | 0.9 |
| 1204 Cunningham Creek Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $600,000 | $258 | 4/3 | 2,328 | 2 | 1 |
| 629 Hummingbird Court, Jacksonville, FL 32259Listed by ERA ONETEAM REALTY | Aug 2026 | $420,000 | $225 | 3/2 | 1,866 | 56 | 1 |
| 1590 Pitch Pine Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $720,000 | $399 | 3/3 | 1,805 | 92 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 13, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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