This home is in River Oaks Plantation, St. Johns — a home near Bartram Trail High School.
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Sold·Closed Jan 21, 2026·0 days on market·Recent sales in River Oaks Plantation·River Oaks Plantation
1128 Mill Creek Drive
St. Johns, FL 32259
2 more homes for sale in River Oaks Plantation →Search River Oaks Plantation on the map
About this home
River Oaks Plantation
TRULY CUSTOM; ONE OF A KIND WATERFRONT POOL HOME! This lovely estate home has everything a discerning buyer could want; 12-22' ceilings, full walls of windows all overlooking the 2 story pool screen complete with summer kitchen, fenced yard & private dock with boathouse & lift on navigable Mill Creek, about 10 houses from the St. Johns River. There are several rooms that have a multitude of uses; one is currently a theater room, another bonus/office upstairs has an amazing balcony, then a 3rd bonus over the garage could be a 5th or 6th bedroom. Grand circular staircase has custom iron railing & wood treads, stunning 2 story Tabbystone fireplace and fabulous chandelier (that lowers electronically) plus motorized blinds give the family room loads of WOW factor. The kitchen has custom wood cabinets, 48'' built in Kitchenaid fridge, 6 burner JennAire gas range and more. Surround sound speakers, water softener, solar heated pool, central vacuum, safe room under stairs & SO much more
Next steps in River Oaks Plantation
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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,690 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,069,766 | $643,114 | ▼ $35,000 |
| 2024 | $961,353 | $624,282 | — |
| 2023 | $960,347 | $604,643 | — |
| 2022 | $859,218 | $585,576 | — |
| 2021 | $653,987 | $567,064 | — |
| 2020 | $648,520 | $558,544 | — |
2023 property taxes (current owner): $9,123/yr
Estimated taxes if purchased at asking price: ~$23,000/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 (2025), 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 $331/sq ft; this home is listed at $284/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1064 Holly Oaks Court, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERY | Aug 2025 | $2,100,000 | $548 | 5/3.5 | 3,834 | 232 | 1.2 |
| 106 Villa Sovana Court, St. Johns, FL 32259Listed by NEXTHOME FIRST COAST | Nov 2025 | $1,400,000 | $331 | 5/5.5 | 4,234 | 210 | 1.4 |
| 1672 Inkberry Lane, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Jun 2026 | $987,037 | $228 | 5/4 | 4,337 | 3 | 1.5 |
| 517 S Bridge Creek Drive, St. Johns, FL 32259Listed by WATSON REALTY CORP | Aug 2026 | $979,000 | $262 | 4/5 | 3,731 | 4 | 2.7 |
| 1863 Bishop Estates Road, St. Johns, FL 32259Listed by NON MLS (realMLS) | Feb 2026 | $2,195,000 | $478 | 5/5.5 | 4,589 | 3 | 2.7 |
| 430 Summerset Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $1,200,000 | $303 | 4/5 | 3,966 | 18 | 2.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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 →Keep looking
More homes in River Oaks Plantation
For Sale1290 Cunningham Creek DriveSt. Johns, FL 32259
4 bd · 4 ba · 2,916 sq ft
$729,900Est. $3,885/moDiscover luxury living in this gorgeous 4-bedroom, 4-bathroom pool home in River Oaks Plantation. Situated on a…
Listing Office: redfin corporation
Under Contract1157 Ashmore DriveSt. Johns, FL 32259
5 bd · 3 ba · 2,630 sq ft
$715,000Est. $3,806/moIMMACULATE 5-bedroom + office POOL home, located in one of the most sought-after neighborhoods and top-rated school…
Listing Office: sta sunrise realty
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jan 21, 2026. 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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