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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in River Oaks Plantation, St. Johns.

Sold

Sold·Closed Sep 1, 2026·2 days on market·Recent sales in River Oaks Plantation·River Oaks Plantation

1204 Cunningham Creek Drive

St. Johns, FL 32259

$600,000sold priceListed at $599,999 · 100% of asking$258/sqftMLS# 2155620
4
Beds
3
Baths
2,328
Sq Ft
1995
Built
2
Garage
No
Pool

2 more homes for sale in River Oaks Plantation →Search River Oaks Plantation on the map

HOA $61/mo15,682 sqft lotSingle Family Residence1 story

About this home

River Oaks Plantation

Remolded Home

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,323
Property taxesest. at asking price, St. Johns County$798
HOAbilled semi-annually$61
Estimated total, before insurance$4,183/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,232/yr · $686/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$600,000
$120,000
Loan Term
Monthly Payment
$3,323
Principal & Interest: $3,323
Property taxes (est.): $798
Insurance (est.): $400
Estimated Total Monthly
$4,522
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

2025 property taxes (current owner): $8,232/yr

Estimated taxes if purchased at asking price: ~$9,600/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, NEFMLS.

History

Price & status history

  • Sep 1, 2026Closed$599,999
  • Jul 16, 2026Pending$599,999
  • Jul 16, 2026Listed$599,999

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 $264/sq ft; this home is listed at $258/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1100 Creekwood Way N, St. Johns, FL 32259Listed by HANEY SIGNATURE REALTY LLCAug 2026$739,000$2744/32,700150.5
1590 Pitch Pine Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$720,000$3993/31,805920.6
1014 Fruit Cove Road, Fruit Cove, FL 32259Listed by SERVICE REALTY, LLCSep 2026$580,000$2274/32,552650.6
1525 Stratford Court, St. Johns, FL 32259Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$515,000$2303/22,243110.9
1304 Honeysuckle Drive, Jacksonville, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$726,100$2645/32,74731.2
1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$680,000$2404/32,839801.2

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

Price$599,999
Price / Sq Ft$258
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,328
Total Structure Area3,201 sq ft
Acres0.36 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1204 Cunningham Creek Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionRiver Oaks Plantation
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size15,681.6 sq ft
Parcel Number0006310610
ZoningResidential

Amenities

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Available
Water SourcePublic
ParkingGarage, Off Street
ViewPond

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Zoned
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne

Additional Information

Date ListedJuly 16, 2026
Days on Market2
HOA Fees$367.5 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameVesta Property Services
Tax Amount$8,231.67
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

The neighborhood

About River Oaks Plantation

River Oaks Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all River Oaks Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 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.

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20+ years · 500+ closings · NE Florida

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