This home is in Julington Creek, Fruit Cove.

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Pending

Pending·50 days on market·Julington Creek

280 Maplewood Drive

Fruit Cove, FL 32259

$420,000$224/sqftEst. $2,235/moMLS# 2138552

Beds

Baths

1,879

Sq Ft

1996

Built

Garage

Pool

About this home

Julington Creek

Move in ready. Owner pride truly shows from the minute you walk into this well taken care of single family water front home with a huge screened in lanai. Fully loaded with all appliances including a new water softener. Granite counter tops, Hard floors throughout, Gas fireplace and did I mention the very big screened in Lanai. Make sure you don't miss this one.

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,122

Principal & Interest: $2,122

Est. Taxes & Insurance: $530

Estimated Total Monthly

$2,652

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,235

Property taxesest. at asking price, St. Johns County$559

HOAbilled annually$48

Estimated total, before insurance$2,843/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	$360,742	$194,658	—
2024	$366,096	$188,465	—
2023	$364,026	$181,519	—
2022	$341,256	$174,776	—
2021	$253,760	$168,229	—
2020	$226,450	$165,216	—

2025 property taxes (current owner): $4,603/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

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: ~1,386 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$420,000

Price / Sq Ft$224

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,879

Acres0.22 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address280 Maplewood Drive, Fruit Cove, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek

CityFruit Cove

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,583.2 sq ft

Parcel Number2493500640

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Available, Sewer Available, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity System Owned