This home is in Plantation Grove, St. Johns — a home near Creekside High School.
Active·100 days on market·Plantation Grove
1264 Ribbon Road
St. Johns, FL 32259
About this home
Plantation Grove
SELLER OFFERING $12K TOWARDS BUYER CLOSING COSTS OR 2/1 RATE BUY DOWN! Looking for a perfect balance of comfort and modern living? Then this 4 bed, 2.5 bath home that provides 2408 sq ft of functional living space is what you need. As you step inside, you are welcomed by vaulted ceilings, creating an abundance of natural light. Plenty of dining space for entertaining and hosting events with family and friends with a dining room, bar top and eat in kitchen area. Also in the kitchen, you will find plenty of cabinet storage, stainless steel appliances and pendant lighting. The first floor primary bedroom features LVP flooring, dual vanities and walk in shower. Upstairs is a versatile loft space along with 3 bedrooms and bathroom. Benefit from recent upgrades including 2023 roof, water heater & AC, ensuring peace of mind. The deep lot backing up to the preserve provides tranquility and privacy, making it a perfect retreat from the covered patio.
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, 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
Last sold: $519,900 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $426,290 | $346,756 | — |
| 2024 | $407,876 | $336,276 | — |
| 2023 | $390,355 | $390,355 | — |
| 2022 | $377,171 | $377,171 | — |
| 2021 | $267,911 | $267,911 | — |
| 2020 | $243,680 | $243,680 | — |
2025 property taxes (current owner): $6,652/yr
Estimated taxes if purchased at asking price: ~$8,200/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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,505 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.
History
Price & status history
- Jul 20, 2026Price change$515,000−$10,000
- Jul 7, 2026Price change$525,000−$5,000
- Apr 21, 2026Listed$530,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
The neighborhood
About Plantation Grove
Plantation Grove is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Plantation Grove homes for sale →Listing Courtesy of: ROUND TABLE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines