This home is in Fruit Cove — a pool home in St. Johns County.
Active·4 days on market
1885 State Road 13 N
Fruit Cove, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fruit Cove
LOT HOME PACKAGE - The Monica floor plan offers 3,488 square feet of thoughtfully designed luxury, featuring four bedrooms, four baths, and a four-car garage situated on a 2 acre lot. A grand entry leads to a spacious dining room and study, while the vaulted living room flows seamlessly into the kitchen and nook. The master suite is a private retreat, with French doors to the lanai, a spa-inspired bath, and a large walk-in closet. Additional bedrooms provide comfort and privacy, and flexible spaces like a game room and cabana guest suite allow for customization. Tailor the Monica with ICI Homes' wide array of options to create your dream home.
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.
- • 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).
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,497 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 homeAs of July 2026, 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $281,310 | $243,797 | — |
| 2024 | $241,398 | $221,634 | — |
| 2023 | $201,485 | $201,485 | — |
| 2022 | $236,323 | $236,323 | — |
2025 property taxes (current owner): $3,519/yr
Estimated taxes if purchased at asking price: ~$32,100/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 (2025), NEFMLS.
History
Price & status history
- Oct 13, 2026Active$2,008,000
- Oct 13, 2026Withdrawn$2,008,000
- Aug 15, 2026Price change$2,008,000+$400,040
- Feb 13, 2026Listed$1,607,960
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 $258/sq ft; this home is listed at $576/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 709 Abby Mist Drive, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATE | Aug 2026 | $699,900 | $266 | 4/3 | 2,635 | 2 | 0.6 |
| 255 Worthington Parkway, Fruit Cove, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $880,000 | $258 | 5/4 | 3,410 | 76 | 0.9 |
| 1768 Greenridge Circle E, St. Johns, FL 32259Listed by MOMENTUM REALTY | Oct 2026 | $550,000 | $215 | 5/3 | 2,560 | 11 | 1.1 |
| 1587 Scottridge Lane, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $1,100,000 | $380 | 4/3.5 | 2,891 | 23 | 1.1 |
| 504 Kenwood Street, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS PV | Sep 2026 | $735,000 | $203 | 5/4 | 3,625 | 387 | 1.1 |
| 412 Sierra Vista Court, St. Johns, FL 32259Listed by ERA ONETEAM REALTY | Jul 2026 | $640,000 | $200 | 5/4 | 3,200 | 4 | 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: LPT REALTY LLC
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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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines