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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in River Oaks Plantation, St. Johns — a golf course home in St. Johns County.

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Sold

Sold·Closed Nov 5, 2025·80 days on market·Recent sales in River Oaks Plantation·River Oaks Plantation

1290 Cunningham Creek Drive

St. Johns, FL 32259

This home is for sale again at $724,900. See the current listing →

$678,000sold priceListed at $680,000 · 99.7% of asking$233/sqftMLS# 2093966
4
Beds
4
Baths
2,916
Sq Ft
2000
Built
2
Garage
Yes
Pool

2 more homes for sale in River Oaks Plantation →Search River Oaks Plantation on the map

HOA $58/mo14,810 sqft lotSingle Family Residence2 stories

About this home

River Oaks Plantation

****BACK ONTHE MARKET DUE TO NO FAULT OF SELLERS/HOUSE******** **POOL HOME**CORNER LOT**LUXURY HOME** Discover luxury living in this exquisite pool home! This gorgeous residence has 4 beds/4 baths, with 1 bath conveniently leading directly to the LARGE SCREENED-IN PATIO and sparkling pool. Situated on a HUGE CORNER LOT, the home boasts an OPEN LAYOUT and a SPLIT BEDROOM FLOOR PLAN. Enjoy 2 BONUS SPACES and elegant crown molding throughout. The living room impresses with a tray ceiling, cozy FIREPLACE, and BUILT-IN SHELVING AND CABINETRY. Flooded with window light, the interior feels bright and welcoming. The beautiful kitchen flows into a stunning breakfast nook, with a huge window overlooking the gorgeous pool. The HUGE MASTER SUITE provides a private retreat with its own entrance to the pool. Upstairs, a loft serves as a 4th bedroom. As a resident, you'll enjoy River Oak's community pool and dock, plus full access to all

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,726
Property taxesest. at asking price, St. Johns County$902
HOAbilled semi-annually$58
Estimated total, before insurance$4,686/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,623/yr · $552/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 2000)

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

Solar potential: ~1,708 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 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.

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

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard and pool on the southeast side. Today at this address: sunrise 7:38 AM, sunset 6:42 PM.

  • A pool here gets good sun without the hottest afternoon exposure.
  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

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): $6,623/yr

Estimated taxes if purchased at asking price: ~$10,800/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 $258/sq ft; this home is listed at $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1100 Creekwood Way N, St. Johns, FL 32259Listed by HANEY SIGNATURE REALTY LLCAug 2026$739,000$2744/32,700150.1
1204 Cunningham Creek Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$600,000$2584/32,32820.4
1014 Fruit Cove Road, Fruit Cove, FL 32259Listed by SERVICE REALTY, LLCSep 2026$580,000$2274/32,552650.6
1304 Honeysuckle Drive, Jacksonville, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$726,100$2645/32,74730.8
1144 Holly Oaks Court, St. Johns, FL 32259Listed by REMAX WELCOME HOMESep 2026$865,000$2435/3.53,559200.9
1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$680,000$2404/32,839801

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$680,000
Price / Sq Ft$233
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,916
Acres0.34 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Fenced, Pool Sweep, Screen Enclosure
Is WaterfrontNo
Direction FacesNorthwest

School Information

Community Information

Address1290 Cunningham Creek Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionRiver Oaks Plantation
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size14,810.4 sq ft
Lot Dimensions94 x 155
Parcel Number0006320550
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Jogging Path, Spa/Hot Tub, Tennis Court(s)
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available, Other
SewerPublic Sewer
Water SourcePublic, Other
ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Microwave, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
FencingBack Yard
RoofShingle
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedJune 20, 2025
Days on Market80
HOA Fees$350 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameRiver Oaks Plantation HOA of St. John
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control
Tax Amount$6,623.37
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP

Sold by: CHAD AND SANDY REAL ESTATE GROUP (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.

The neighborhood

About River Oaks Plantation

River Oaks Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all River Oaks Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Nov 5, 2025. 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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