This home is in Fruit Cove.
Sold·Closed Oct 9, 2026·183 days on market·Recent sales in Fruit Cove
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!
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.
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 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.
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: ~$5,300/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
- Oct 13, 2026Closed$365,000
- Oct 8, 2026Pending$365,000
- Sep 6, 2026Active Under Contract$365,000
- Apr 13, 2026Listed$365,000
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 $245/sq ft; this home is listed at $228/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1680 Lemonwood Road, St. Johns, FL 32259Listed by RPB REALTY,INC | Jul 2026 | $485,000 | $236 | 4/2.5 | 2,054 | 56 | 0.2 |
| 1440 Forest Lane, St. Johns, FL 32259Listed by LIVE LOVELY REALTY LLC | Jul 2026 | $495,900 | $245 | 4/2 | 2,028 | 18 | 0.5 |
| 1411 Forest Lane, St. Johns, FL 32259Listed by HOMEPRO REALTY JACKSONVILLE LLC | Jul 2026 | $339,400 | $215 | 3/2 | 1,581 | 2 | 0.5 |
| 304 Lolly Lane, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $505,000 | $248 | 4/2 | 2,036 | 8 | 0.6 |
| 1590 Pitch Pine Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $720,000 | $399 | 3/3 | 1,805 | 92 | 0.7 |
| 629 Hummingbird Court, Jacksonville, FL 32259Listed by ERA ONETEAM REALTY | Aug 2026 | $420,000 | $225 | 3/2 | 1,866 | 56 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 LIGHTHOUSE REALTY
Sold by: UNITED REAL ESTATE GALLERY (buyer's brokerage)
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.
Explore the area
More in Fruit Cove
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 9, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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