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This home is in St. Johns — a waterfront home in St. Johns County.

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Sold

Sold·Closed Oct 24, 2025·97 days on market·Recent sales in Fruit Cove

970 Fruit Cove Road

St. Johns, FL 32259

$2,100,000sold priceListed at $2,295,000 · 91.5% of asking$458/sqftMLS# 2093275

Beds

3.5

Baths

4,585

Sq Ft

2001

Built

Garage

Pool

No HOA3.32 acresWaterfrontSingle Family Residence2 stories

About this home

St. Johns

Seller offering a generous buyer incentive until Oct. 15th; take advantage of this limited-time opportunity to save big at closing! Welcome to your private oasis on the beautiful St. Johns River. Nestled on 3.3 acres of serene, riverfront property, this custom-built home offers a perfect blend of luxury, comfort, and Old Florida charm. Every inch of this home has been designed with style, sustainability, & functionality in mind. Enjoy sweeping water views from the main living areas, or step outside to your own private boathouse and dock, ideal for boating, fishing, or simply soaking in the peaceful surroundings. Enjoy the best of Florida waterfront living with your own private boathouse & dock, perfect for fishing, boating, or simply watching the sun set over the St. Johns. Whether dining, sunning, or merely recharging your soul outdoors, this home & the breeze from the water are exactly what you've been missing.

Next steps in Fruit Cove

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$11,449

Property taxesest. at asking price, St. Johns County$2,794

Estimated total, before insurance$14,244/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,727/yr · $727/mo

• 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 (that applies to the reference bill above too).

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 2001)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,056 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Mickler's Landing Beachfront Park
39 min drive · 202 parking spaces
Closest park or preserve
Alpine Groves Park
9 min drive · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Ramp
about 2 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 2 mi · St. Johns River
Closest youth league fields
Mills Field
10 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix
7 min drive · 450 State Road 13 N, Saint Johns

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:39 AM, sunset 6:41 PM.

Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $8,727/yr

Estimated taxes if purchased at asking price: ~$33,500/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.

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 $243/sq ft; this home is listed at $501/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
1144 Holly Oaks Court, St. Johns, FL 32259Listed by REMAX WELCOME HOME	Sep 2026	$865,000	$243	5/3.5	3,559	20	0.3
1124 Ashmore Drive, St. Johns, FL 32259Listed by ROOT REALTY LLC	May 2026	$620,000	$185	5/3	3,346	6	0.8
1141 Popolee Road, St. Johns, FL 32259Listed by ROUND TABLE REALTY	Feb 2026	$1,485,000	$290	6/5	5,124	91	1
1672 Inkberry Lane, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS	Jun 2026	$987,037	$228	5/4	4,337	3	1.7
321 Sweetbrier Branch Lane, St. Johns, FL 32259Listed by WATSON REALTY CORP	Apr 2026	$700,000	$215	5/3	3,257	57	1.7
1292 Creek Bend Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Aug 2026	$887,500	$245	5/3	3,618	92	1.8

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

Price$2,295,000

Price / Sq Ft$501

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,585

Total Structure Area4,585 sq ft

Acres3.32 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages5

# of Carport Spaces4

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

This listingNo schools reported in the MLS

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address970 Fruit Cove Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionFruit Cove Terrace

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size144,619.2 sq ft

Parcel Number0069600130

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Not Available, Water Available, Propane

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCircular Driveway, Detached, Detached Carport, Garage, Garage Door Opener, Other

ViewRiver, Water

Waterfront TypeNavigable Water, No Fixed Bridges, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingElectric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Marble, Stone, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Lower Level, Washer Hookup

Window FeaturesSkylight(s)

SecuritySecurity Gate

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock, Outdoor Kitchen

Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear, Wooded

Patio / PorchDeck, Patio, Rear Porch

FencingWood

RoofShingle

ConstructionStone, Stucco

Other StructuresWorkshop

Road SurfaceAsphalt, Paved

Road FrontageCounty Road

Additional Information

Date ListedJune 13, 2025

Days on Market97

Tax Amount$8,727.43

Tax Year2024

Listing TermsCash, Conventional, Private Financing Available, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)

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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