This home is in Fruit Cove — a new construction home in St. Johns County.
Active·228 days on market
2045 State Road 13 N
Fruit Cove, FL 32259
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
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: 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Guana Reserve beach lot (north)about 18 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 0.1 mi · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 4 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 0.6 mi · St. Johns River
Closest youth league fields
Switzerland Point Parkabout 0.7 mi · Baseball, Football, Lacrosse, Softball, Track
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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
| 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: ~$38,300/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
- Aug 7, 2026Price change$2,400,000−$100,000
- Mar 3, 2026Listed$2,500,000
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 $234/sq ft; this home is listed at $680/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 | 0.4 |
| 1035 Anchor Road, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $687,250 | $234 | 3/2 | 2,932 | 90 | 0.7 |
| 255 Worthington Parkway, Fruit Cove, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $880,000 | $258 | 5/4 | 3,410 | 76 | 0.9 |
| 504 Kenwood Street, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS PV | Sep 2026 | $735,000 | $203 | 5/4 | 3,625 | 387 | 1 |
| 294 Stonewell Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $720,000 | $199 | 5/4 | 3,616 | 34 | 1 |
| 412 Sierra Vista Court, St. Johns, FL 32259Listed by ERA ONETEAM REALTY | Jul 2026 | $640,000 | $200 | 5/4 | 3,200 | 4 | 1 |
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.
Keep looking
Similar homes in Fruit Cove
Explore the area
More in Fruit Cove
Fruit Cove guides & reports
Your Local Realtor
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines