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

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Active·89 days on market·Lakes At Mill Creek

314 Flach Drive

Fruit Cove, FL 32259

$525,000$276/sqftEst. $2,794/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: 6.49%

Loan Term

Monthly Payment

$2,652

Principal & Interest: $2,652

Est. Taxes & Insurance: $663

Estimated Total Monthly

$3,315

*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$2,794

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

HOAbilled annually$50

Estimated total, before insurance$3,543/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	$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

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.

History