This home is in St. Johns — a home near Bartram Trail High School.
Active·90 days on market
456 Bay Point Way N
St. Johns, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Johns
Welcome to this 4-bdrm, 2-bath waterfront home tucked away on a quiet cul-de-sac in the highly desirable Cunningham Creek community in St. Johns county. Situated on an oversized .41-acre lot, this 2,107sf home offers the perfect blend of comfort, space, and functionality. Inside you'll find an open and inviting floor plan with bamboo wood flooring, a cozy fireplace, and a spacious kitchen that flows seamlessly into the main living areas. The home features an extra-large flex space that can easily serve as a family room, additional living area, or office just off the kitchen perfect for working from home, a playroom, or hobby space. The split-bedroom layout provides added privacy, while the primary suite features a double vanity, garden tub, and separate shower. Step outside to enjoy the expansive, fenced backyard with plenty of room for gardening, or future enhancements. Freshly painted inside and out! Roof 2019, HVAC 2020. Transferrable termite bond.
Next steps in Fruit Cove
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.
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: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,666 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (north)about 16 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 2 mi · 1 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 4 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 3 mi · St. Johns River
Closest youth league fields
Aberdeen Parkabout 1 mi · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publixabout 2 mi · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:37 AM, sunset 6:43 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,064/yr
Estimated taxes if purchased at asking price: ~$7,200/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
- Oct 15, 2026Price change$450,000−$4,000
- Sep 30, 2026Price change$454,000−$5,000
- Sep 4, 2026Price change$459,000−$1,000
- Jul 30, 2026Active$460,000
- Jul 16, 2026Listed$460,000
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 $243/sq ft; this home is listed at $214/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 544 Cunningham Hollow Way, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $585,000 | $257 | 4/2 | 2,275 | 2 | 0.1 |
| 200 Nottingham Drive W, St. Johns, FL 32259Listed by LANDBRIDGE REALTY GROUP LLC | Oct 2026 | $425,000 | $214 | 4/3 | 1,987 | 3 | 0.4 |
| 696 Hampton Downs Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $360,000 | $243 | 3/2 | 1,481 | 2 | 0.5 |
| 544 Grampian Highlands Drive, St. Johns, FL 32259Listed by ASSIST2SELL BUYERS & SELLERS REALTY | Sep 2026 | $414,900 | $224 | 4/2 | 1,850 | 38 | 0.6 |
| 112 Lige Branch Lane, Fruit Cove, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $450,000 | $236 | 3/2 | 1,904 | 7 | 0.8 |
| 1737 Heatherwood Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Oct 2026 | $570,000 | $256 | 4/2 | 2,229 | 1 | 0.8 |
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: 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.
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Krista Fracke
Broker Associate
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