Sold·Closed Jun 22, 2026·4 days on market
409 Twin Oaks Lane
Fruit Cove, FL 32259
About this home
Fruit Cove
Don't miss this beautifully maintained 4 bedroom, 3 bathroom, 3 CAR GARAGE POOL HOME in the highly desirable Parkes of Julington Creek Plantation. Freshly painted exterior & pool deck in May 2026 w/interior painted in 2024. Other updates include new Roof & Pool Solar Panels in 2020, Water Heater 2023 & HVAC 2021. 3-Car Garage extended 4' deep has attic w/pull-down stairs & new service door to exterior. 220 Volt/20 AMP avail in garage should be able to be upgraded to 50/60 AMP for Tesla charger. This 2450 sf home on an 80' wide lot offers a bright & open floorplan w/ large kitchen & family room overlooking the enclosed pool making entertaining a breeze. Spacious kitchen features solid cherry cabinets, pull-out drawers in lower cabinets & a pocket office. Three-way split floorplan. Primary bedroom en-suite w/ 2 custom walk-in closets & large bathroom w/ separate vanities. Bedrooms 2 & 3 w/ full bath off the kitchen & 4th bedroom across from full pool bath.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,727 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 homeThis 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 | $483,300 | $207,651 | — |
| 2024 | $484,655 | $201,091 | — |
| 2023 | $452,128 | $193,778 | — |
| 2022 | $414,664 | $186,678 | — |
| 2021 | $326,379 | $179,784 | — |
| 2020 | $297,452 | $176,611 | — |
2025 property taxes (current owner): $4,778/yr
Estimated taxes if purchased at asking price: ~$9,900/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.
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 $246/sq ft; this home is listed at $265/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 153 Bartram Parke Drive, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $555,355 | $246 | 4/2 | 2,253 | 92 | 0.5 |
| 312 Morning Glory Lane, Fruit Cove, FL 32259Listed by INI REALTY | Sep 2026 | $430,000 | $196 | 4/2 | 2,193 | 11 | 1.2 |
| 1357 Shootingstar Lane, St. Johns, FL 32259Listed by SOVEREIGN REAL ESTATE GROUP | Sep 2026 | $378,000 | $212 | 4/2 | 1,786 | 19 | 1.2 |
| 12675 Filly Court, Jacksonville, FL 32223Listed by WATSON REALTY CORP | Sep 2026 | $455,000 | $235 | 3/2.5 | 1,938 | 1 | 1.3 |
| 728 E Cumberland Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $610,000 | $269 | 3/2.5 | 2,271 | 48 | 1.3 |
| 1304 Honeysuckle Drive, Jacksonville, FL 32259Listed by THE LEGENDS OF REAL ESTATE | Sep 2026 | $726,100 | $264 | 5/3 | 2,747 | 3 | 1.3 |
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: LPT REALTY 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 22, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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