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This home is in St. Johns — a waterfront home in St. Johns County.

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Sold

Sold·Closed Sep 16, 2026·23 days on market·Recent sales in Fruit Cove

2352 State Road 13 N 3

St. Johns, FL 32259

$1,460,000sold priceListed at $1,750,000 · 83.4% of asking$497/sqftMLS# 2156464

Beds

Baths

2,936

Sq Ft

1977

Built

Garage

Yes

Pool

FEMA Zone XNo HOA1.69 acresWaterfrontSingle Family Residence2 stories

About this home

St. Johns

This 1.69-acre St. Johns River property offers a rare opportunity to own an exceptional waterfront home in one of the area's most desirable locations. The existing home is ready for renovation, allowing you the opportunity to create a space that is truly yours. The value lies in the exceptional homesite, the location, and the potential to create a one-of-a-kind riverfront estate. This homesite offers an incredible foundation to bring your vision to life. The property includes a main home, detached guest house, pool, cabana (with bathrooms) and kitchenette, and approximately 300 foot dock leading to an oversized boathouse- features that are rarely found together on a single riverfront property. The guest house, currently operating as a short-term rental, provides additional flexibility for guests, extended family, rental income, or a place to stay while planning your future waterfront retreat.

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.

Principal & interest20% down · 7.4% · 30yr$8,087

Property taxesest. at asking price, St. Johns County$1,943

Estimated total, before insurance$10,030/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,384/yr · $782/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).

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: material not specified — year not disclosed (home built 1977)

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: ~1,397 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

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.

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 19 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Park
about 1 mi · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creek
about 3 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 1.0 mi · St. Johns River
Closest youth league fields
Switzerland Point Park
about 1 mi · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix
about 3 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,384/yr

Estimated taxes if purchased at asking price: ~$23,300/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, NEFMLS.

History

Price & status history

Sep 22, 2026Closed$1,750,000
Aug 17, 2026Pending$1,750,000
Jul 21, 2026Listed$1,750,000

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 $223/sq ft; this home is listed at $596/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
517 S Bridge Creek Drive, St. Johns, FL 32259Listed by WATSON REALTY CORP	Aug 2026	$979,000	$262	4/5	3,731	4	0.5
786 Swiss Oaks Court, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY	Sep 2026	$510,000	$246	4/2	2,077	34	1.1
442 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$541,657	$216	5/3	2,511	38	1.2
434 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$468,432	$223	3/2.5	2,096	18	1.2
457 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$532,000	$212	5/3	2,511	57	1.2
204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$619,000	$207	4/2.5	2,987	0	1.3

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$1,750,000

Price / Sq Ft$596

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,936

Acres1.69 acres

Year Built1977

TypeResidential

Sub-TypeSingle Family Residence

StatusClosed

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

School Information

This listingNo schools reported in the MLS

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2352 State Road 13 N 3, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMetes & Bounds

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size73,616.4 sq ft

Parcel Number0015200070

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

Water SourceWell

ParkingAdditional Parking

Waterfront TypeNavigable Water, River Access, River Front

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

Additional Information

Date ListedJuly 22, 2026

Days on Market23

Tax Amount$9,384

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: US REALTY HUB

Sold by: US REALTY HUB (buyer's brokerage)

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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