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Active

Active·138 days on market

2045 State Road 13 N

Fruit Cove, FL 32259

$2,500,000$709/sqftEst. $12,707/moMLS# 2132881

Beds

Baths

3,527

Sq Ft

2026

Built

Garage

Pool

About this home

Fruit Cove

Your dream home awaits! Stunning TO BE BUILT by award winning CornerStone Homes. Rich detailed finishes, culinary delight kitchen. main floor master suite oasis, spa like master bathroom, great entertaining spaces. Open concept floor plan! Plenty of room for your pool and outdoor kitchen! MLS pics are from the same floor plan finished/built previously by the builder. Construction will not start untill buyer closes on the lot.

Cost to own

Mortgage calculator

Home Price

$2,500,000

Down Payment: 20%

$500,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$12,707

Principal & Interest: $12,707

Est. Taxes & Insurance: $3,177

Estimated Total Monthly

$15,884

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.55% · 30yr$12,707

Property taxesest. at asking price, St. Johns County$3,327

Estimated total, before insurance$16,034/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$384,300	$300,082	—
2024	$310,856	$272,802	—
2023	$310,856	$248,002	—
2022	$310,856	$225,456	—
2021	$204,960	$204,960	—
2020	$204,960	$204,960	—

2025 property taxes (current owner): $4,570/yr

Estimated taxes if purchased at asking price: ~$39,900/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.

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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,719 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

As 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.

History

Price & status history

Mar 3, 2026Listed$2,500,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,500,000

Price / Sq Ft$709

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,527

Acres4.27 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address2045 State Road 13 N, Fruit Cove, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionRural

CityFruit Cove

CountySt. Johns

StateFL

Zip Code32259

Lot Size186,001.2 sq ft

Parcel Number0034800070

Amenities

UtilitiesElectricity Available

SewerPrivate Sewer

Water SourceWell

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit