Active Under Contract·53 days on market
1014 Fruit Cove Road
Fruit Cove, FL 32259
About this home
Fruit Cove
Priced Below Appraised Value - Welcome to this one-of-a-kind Fruit Cove retreat, ideally located in highly desirable Northwest St. Johns County and zoned for top-rated A-rated schools. Nestled in a private setting just one lot off the scenic St. Johns River, this exceptional property offers the perfect combination of location, comfort, & freedom--with no HOA or CDD fees. Built with full concrete block construction, this well-maintained home provides peace of mind with a newer roof and HVAC system, both just one year old. Outdoor enthusiasts will appreciate being only minutes from Mandarin Park's public boat launch, while enjoying easy access to shopping, dining, parks, and everyday conveniences. Those that have a green thumb this property includes perennials and perennial edible plants throughout the yard, see list of plants under Documents. Inside, you'll find a spacious open-concept layout with a desirable split-bedroom floor plan, recently painted interior, and no carpet throughout
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $431,535 | $221,181 | — |
| 2024 | $415,642 | $214,240 | — |
| 2023 | $407,822 | $206,544 | — |
| 2022 | $402,132 | $199,072 | — |
| 2022 | $23,392 | $19,911 | — |
| 2021 | $278,584 | $191,817 | — |
| 2021 | $21,760 | $18,101 | — |
| 2020 | $278,584 | $188,478 | — |
| 2020 | $21,760 | $16,456 | — |
2025 property taxes (current owner): $3,474/yr
Estimated taxes if purchased at asking price: ~$9,400/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 — 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: Metal, Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,429 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.
History
Price & status history
- Aug 10, 2026Active Under Contract$589,000
- Jul 22, 2026Price change$589,000−$10,000
- Jun 22, 2026Listed$599,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SERVICE REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines