This home is in St. Johns.

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Active

Active·48 days on market

1901 State Road 13 N

St. Johns, FL 32259

$1,361,660$433/sqftEst. $7,247/moMLS# 2147507

Beds

Baths

3,146

Sq Ft

2027

Built

Garage

Pool

About this home

St. Johns

Imagine building your dream home surrounded by the natural beauty of a private wooded setting in the heart of Fruit Cove. This rare 1.19-acre homesite offers the perfect backdrop for a custom luxury residence, with ample space for a pool, detached garage, outdoor living, and endless design possibilities. Tucked away among mature trees yet conveniently located near top-rated SJC schools, shopping, & dining. Existing structure on site allows dicount in impact fees, creating substantial savings for the future owner. Septic currently on property; no well. Whether envisioning a modern farmhouse, coastal retreat, or timeless southern estate, this is a unique opportunity to create a one-of-a-kind custom home in one of Fruit Cove's most desirable locations. Custom build opportunities available with John Raymer of All Florida Custom Homes, or purchase lot separately and choose your own builder. You do not have to use the floorplan provided.

Cost to own

Mortgage calculator

Home Price

$1,361,660

Down Payment: 20%

$272,332

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,878

Principal & Interest: $6,878

Est. Taxes & Insurance: $1,720

Estimated Total Monthly

$8,598

*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$7,247

Property taxesest. at asking price, St. Johns County$1,812

Estimated total, before insurance$9,059/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	$237,090	$237,090	—
2024	$299,709	$211,280	—
2023	$304,218	$192,073	—
2022	$297,678	$174,612	—
2021	$274,295	$257,473	▲ $41,600
2020	$234,066	$234,066	—

2025 property taxes (current owner): $3,527/yr

Estimated taxes if purchased at asking price: ~$21,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2027)

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

Likely septic

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: ~1,393 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 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