This home is in Mandarin Meadows, St. Johns.

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Active·135 days on market·Mandarin Meadows

1259 Fruit Cove Road S

St. Johns, FL 32259

$460,000$310/sqftEst. $2,338/moMLS# 2133489

Beds

Baths

1,483

Sq Ft

1972

Built

Garage

Yes

Pool

About this home

Mandarin Meadows

Discover the Freedom of Fruit Cove! This beautifully updated home offers the rare combination of modern luxury and 'Old Florida' freedom with NO HOA or CDD fees. Nestled on a sprawling, oversized lot, this property is a dream for those who want space to breathe and room for their toys--bring your boat, RV, or trailer! The interior is bathed in natural light thanks to upgraded energy-efficient windows, while the heavy lifting has already been done for you with a newer roof (3 years old). Step outside to your private backyard oasis, featuring a massive fenced-in lawn and a pristine fiberglass pool perfect for year-round entertaining. Located in the heart of 32259, you are minutes from the St. Johns River and zoned for the state's top-ranked school district (Julington Creek Elementary, Fruit Cove Middle, and Creekside High). Don't miss this chance to own a piece of St. Johns County without the restrictive rules!

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,338

Principal & Interest: $2,338

Est. Taxes & Insurance: $585

Estimated Total Monthly

$2,923

*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$2,338

Property taxesest. at asking price, St. Johns County$612

Estimated total, before insurance$2,950/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

Last sold: $400,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$305,016	$254,294	—
2024	$297,687	$247,687	—
2023	$300,026	$250,026	—
2022	$266,419	$208,788	—
2021	$189,807	$189,807	—
2020	$179,313	$179,313	—

2025 property taxes (current owner): $3,920/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1972)

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

Septic system (public record) · Private well (public record)

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: ~1,653 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