This home is in Jacksonville — a home near Creekside High School.
Active·162 days on market
1020 Fruit Cove Road
Jacksonville, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Jacksonville
Beautiful Custom 5 Bedr,5 Bath,Brick Home With 155' On St Johns River , Spectacular Sunsets , with 2bdr / 2bath Guest House Next Door with 1073 sq ft, Custom Home Designed by Kevin Gray , 1.91 Acres with bulkhead and over 400' Dock with Boat lift .Three Car Garage/ with extra 900 approx Sq Ft Over Garage, Wired for A/C and Electric Over The Garage , Generator, Come Fall In Love
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: Shingle — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,298 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:29 AM, sunset 6:55 PM.
- A pool back here is the warmest in town and glitters in the evening.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,934,564 | $1,293,326 | — |
| 2024 | $1,806,522 | $1,256,028 | ▲ $65,400 |
| 2023 | $1,571,827 | $1,217,843 | — |
| 2022 | $1,537,062 | $1,185,270 | — |
| 2021 | $1,211,391 | $1,149,277 | — |
| 2020 | $1,217,781 | $1,133,212 | — |
2024 property taxes (current owner): $16,392/yr
Estimated taxes if purchased at asking price: ~$52,600/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
- Sep 19, 2026Price change$3,295,000−$200,000
- Aug 6, 2026Price change$3,495,000−$295,000
- May 7, 2026Listed$3,790,000
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 $273/sq ft; this home is listed at $709/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1144 Holly Oaks Court, St. Johns, FL 32259Listed by REMAX WELCOME HOME | Sep 2026 | $865,000 | $243 | 5/3.5 | 3,559 | 20 | 0.4 |
| 1064 Holly Oaks Court, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERY | Aug 2025 | $2,100,000 | $548 | 5/3.5 | 3,834 | 232 | 0.5 |
| 1128 Mill Creek Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Jan 2026 | $1,440,000 | $273 | 5/4.5 | 5,280 | 0 | 0.7 |
| 1145 Dover Drive, St. Johns, FL 32259Listed by MOMENTUM REALTY | Nov 2025 | $695,000 | $188 | 4/3.5 | 3,690 | 39 | 0.8 |
| 1141 Popolee Road, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Feb 2026 | $1,485,000 | $290 | 6/5 | 5,124 | 91 | 1.1 |
| 1292 Creek Bend Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $887,500 | $245 | 5/3 | 3,618 | 92 | 1.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY BROKERS USA LLC
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.
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines