Active·93 days on market
940 State Road 13 N
Fruit Cove, FL 32259
About this home
Fruit Cove
Welcome to this well maintained 3-bedroom, 2-bath home with a 2-car garage, built in 2020 and designed for low-maintenance living. Step inside to vaulted ceilings and tile flooring throughout, offering both style and easy upkeep. The split bedroom floor plan provides privacy, while the spacious primary suite features a walk-in closet, dual vanities, a relaxing spa tub, and a separate walk-in shower. Enjoy your mornings or unwind in the evenings on the screened-in back porch. Conveniently located near an abundance of shopping and dining, this home offers the perfect blend of comfort and accessibility. Located in the highly desirable Julington Creek area of St. Johns County with A-rated schools and NO HOA or CDD fees--this is a rare find you don't want to miss!
Cost to own
Mortgage calculator
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, 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 | $338,580 | $331,576 | — |
| 2025 | $291,904 | $177,953 | ▲ $20,885 |
| 2024 | $352,249 | $301,433 | — |
| 2024 | $272,726 | $172,231 | ▼ $430 |
| 2023 | $341,089 | $274,030 | — |
| 2023 | $283,745 | $165,759 | ▲ $24,373 |
| 2022 | $306,099 | $249,118 | — |
| 2022 | $251,062 | $159,475 | — |
| 2021 | $219,846 | $219,846 | — |
| 2021 | $212,622 | $153,374 | — |
| 2020 | $32,000 | $32,000 | — |
| 2020 | $207,417 | $150,567 | — |
2025 property taxes (current owner): $4,844/yr
Estimated taxes if purchased at asking price: ~$5,800/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: material not specified — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,713 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 homeInformational 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.
History
Price & status history
- Apr 13, 2026Listed$365,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 LIGHTHOUSE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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