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This home is in Lakes At Mill Creek, Fruit Cove.

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Active

Active·134 days on market·Lakes At Mill Creek

314 Flach Drive

Fruit Cove, FL 32259

$525,000$276/sqftEst. $2,699/moMLS# 2140573

Beds

Baths

1,902

Sq Ft

2019

Built

Garage

Pool

About this home

Lakes At Mill Creek

Situated on nearly HALF AN ACRE and surrounded by protected preserve on three sides with no CDD and low HOA, this beautifully maintained home offers space, comfort, and upgraded features throughout. Inside, the chef's kitchen is designed for both everyday living and hosting with 42'' cabinets, granite countertops, double ovens, gas range, and a huge nearly 8 foot island! All complemented by LVP flooring throughout and timeless plantation shutters. A versatile flex room provides the perfect space for a home office, playroom, or guest area to suit your needs. Along with a spacious 3-car garage offering ample storage, flexibility and room to store up to an 18' boat. Enjoy the oversized patio overlooking the expansive back yard with preserve views, no rear neighbors, a play set, garden area, and mature fruit trees including blood orange, lemon, lime, apple, and olive. Located in desirable St. Johns County near major roadways, shopping, and dining, and zoned for Hickory Creek Elementary

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,699

Principal & Interest: $2,699

Property taxes (est.): $699

Insurance (est.): $350

Estimated Total Monthly

$3,748

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$2,699

Property taxesest. at asking price, St. Johns County$699

HOAbilled annually$50

Estimated total, before insurance$3,448/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,795/yr · $316/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$411,881	$244,971	—
2024	$407,145	$237,360	—
2023	$396,699	$228,990	—
2022	$334,353	$220,864	—
2021	$289,679	$212,975	—
2020	$269,284	$209,344	—

2025 property taxes (current owner): $3,795/yr

Estimated taxes if purchased at asking price: ~$8,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2019)

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

Solar potential: ~1,660 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