This home is in River Oaks Plantation, St. Johns — a home near Bartram Trail High School.
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Sold·Closed Apr 24, 2026·115 days on market·Recent sales in River Oaks Plantation·River Oaks Plantation
1124 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
DIRECT WATER ACCESS HOME WITH PRIVATE DOCK NEAR ST JOHNS RIVER The perfect blend of comfort, functionality, and waterfront luxury in this nearly 3,000 sq. ft. Mill Creek home featuring 3 spacious bedrooms and 2.5 baths. With its private dock granting direct boating access to the St. Johns River, located about 1,200 feet from Cunningham Creek and approximately 2,200 feet from the St. Johns River, along with expansive windows framing serene wooded views and an updated kitchen complete with a bonus breakfast bar, this residence is designed for both relaxation and entertaining. Enjoy exclusive privileges to the River Oaks Plantation community dock and pool as well as all Julington Creek Plantation amenities, ideal for active lifestyles. The impressive 1,200 sq. ft. plus garage offers ample space for a workshop or home gym, while recent updates like a new HVAC (2024), exterior paint, and major systems maintenance are set to ensure peace of mind for years to come.
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 (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 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,716 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.
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 Park41 min drive · 202 parking spaces
Closest park or preserve
Alpine Groves Park5 min drive · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 3 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 2 mi · St. Johns River
Closest youth league fields
Switzerland Point Parkabout 2 mi · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix6 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $9,655/yr
Estimated taxes if purchased at asking price: ~$12,000/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, 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 $256/sq ft; this home is listed at $284/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1204 Cunningham Creek Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $600,000 | $258 | 4/3 | 2,328 | 2 | 0.1 |
| 1014 Fruit Cove Road, Fruit Cove, FL 32259Listed by SERVICE REALTY, LLC | Sep 2026 | $580,000 | $227 | 4/3 | 2,552 | 65 | 0.7 |
| 1100 Creekwood Way N, St. Johns, FL 32259Listed by HANEY SIGNATURE REALTY LLC | Aug 2026 | $739,000 | $274 | 4/3 | 2,700 | 15 | 0.7 |
| 1737 Heatherwood Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Oct 2026 | $570,000 | $256 | 4/2 | 2,229 | 1 | 1 |
| 1144 Holly Oaks Court, St. Johns, FL 32259Listed by REMAX WELCOME HOME | Sep 2026 | $865,000 | $243 | 5/3.5 | 3,559 | 20 | 1.1 |
| 1768 Greenridge Circle E, St. Johns, FL 32259Listed by MOMENTUM REALTY | Oct 2026 | $550,000 | $215 | 5/3 | 2,560 | 11 | 1.2 |
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: REDFIN CORPORATION
Sold by: WATSON REALTY CORP (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 →Keep looking
More homes in River Oaks Plantation
For Sale1290 Cunningham Creek DriveSt. Johns, FL 32259
4 bd · 4 ba · 2,916 sq ft
$724,900Est. $3,858/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 Apr 24, 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
Is this home priced right?
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Northeast Florida living
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