This home is in Barden Estates, St. Johns — a waterfront home in St. Johns County.
$1,200,0003 bd · 2.5 ba · 2,152 sq ft
Active·93 days on market·Barden Estates
1345 Fruit Cove Road N
St. Johns, FL 32259
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About this home
Barden Estates
Open House 10.31.26/ Rain or shine 11-1. This waterfront property offers a rare opportunity to own a private stretch of canal-front land leading into Julington Creek, where life naturally slows and the surroundings speak for themselves. Set on approximately 1.2 acres with 156 feet of water frontage, the property is framed by mature trees and a sense of quiet that feels worlds away from the everyday. Lot size is 135' X 385X 82.12X 155.86 X 356.64 Parcel is RES-A, one unit per acre on FLUM. See MLS 2165357
Next steps in Barden Estates
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.
The house sits in FEMA Zone AE, a high-risk flood zone
Lenders require flood insurance for financed purchases here. Across the 1.2-acre lot: Zone AE 58% and Zone X (minimal) 42%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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: Shingle — year not disclosed (home built 1988)
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: ~1,158 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 August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Mickler's Landing Beachfront Park35 min drive · 202 parking spaces
Closest park or preserve
Alpine Groves Park8 min drive · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 0.9 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Mandarin Park Kayak Launch Dockabout 0.9 mi · Julington Creek
Closest youth league fields
Mills Field5 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix2 min drive · 450 State Road 13 N, 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): $4,005/yr
Estimated taxes if purchased at asking price: ~$19,200/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
- Aug 7, 2026Active$1,200,000
- Jul 23, 2026Listed$1,200,000
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 $246/sq ft; this home is listed at $558/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 736 Fruit Cove Forest Road W, Fruit Cove, FL 32259Listed by PROFITABLE PROPERTY REALTY LLC | Oct 2026 | $428,000 | $245 | 3/2 | 1,744 | 34 | 0.6 |
| 940 State Road 13 N, Fruit Cove, FL 32259Listed by CENTURY 21 LIGHTHOUSE REALTY | Oct 2026 | $330,000 | $206 | 3/2 | 1,599 | 183 | 1.1 |
| 1304 Honeysuckle Drive, Jacksonville, FL 32259Listed by THE LEGENDS OF REAL ESTATE | Sep 2026 | $726,100 | $264 | 5/3 | 2,747 | 3 | 1.3 |
| 153 Bartram Parke Drive, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERY | Sep 2026 | $555,355 | $246 | 4/2 | 2,253 | 92 | 1.4 |
| 833 Putters Green Way N, St. Johns, FL 32259Listed by WATSON REALTY CORP | Nov 2026 | $382,000 | $223 | 3/2 | 1,716 | 102 | 1.5 |
| 3443 Remler Drive S, Jacksonville, FL 32223Listed by FUTURE HOME REALTY INC | Oct 2026 | $392,000 | $255 | 3/2 | 1,540 | 33 | 1.5 |
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: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
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 Barden Estates
Barden Estates is a neighborhood in Fruit Cove, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines