Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Lakes At Mill Creek, Fruit Cove — a home near Bartram Trail High School.

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Active

Active·45 days on market·Lakes At Mill Creek

184 Flach Drive

Fruit Cove, FL 32259

$518,000$272/sqftEst. $2,666/moMLS# 2153089

Beds

Baths

1,902

Sq Ft

2019

Built

Garage

Pool

About this home

Lakes At Mill Creek

Welcome home to this beautifully maintained 4-bedroom, 2-bath residence nestled in the heart of desirable St. Johns County! Backing up to a peaceful wooded preserve with no rear neighbors, this home offers the perfect blend of privacy and everyday convenience. Enjoy attractive curb appeal with manicured landscaping, a spacious two-car garage, and a thoughtfully designed floor plan ideal for both relaxing and entertaining. Located in one of Northeast Florida's most sought-after communities, you'll be just minutes from top-rated St. Johns County schools, shopping, dining, parks, and major commuter routes. Whether you're looking for your first home, a place to grow your family, or simply want to enjoy the Florida lifestyle, this home is one you won't want to miss!

Cost to own

Mortgage calculator

Home Price

$518,000

Down Payment: 20%

$103,600

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,666

Principal & Interest: $2,666

Property taxes (est.): $689

Insurance (est.): $345

Estimated Total Monthly

$3,700

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.67% · 30yr$2,666

Property taxesest. at asking price, St. Johns County$689

HOAbilled annually$50

Estimated total, before insurance$3,405/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,924/yr · $244/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, 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	$361,239	$214,130	—
2024	$358,522	$207,388	—
2023	$346,753	$199,891	—
2022	$290,594	$192,613	—
2021	$251,788	$185,547	—
2020	$232,295	$182,295	—

2025 property taxes (current owner): $2,924/yr

Estimated taxes if purchased at asking price: ~$8,300/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2019)

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

Solar potential: ~1,675 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 home

As 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