This home is in St. Johns — a home near Bartram Trail High School.
$655,000Sold3 bd · 3 ba · 2,097 sq ft
Sold·Closed Oct 23, 2026·38 days on market·Recent sales in Fruit Cove
1161 Whispering Pines Road
St. Johns, FL 32259
About this home
St. Johns
Accepting Backup offers. Beautifully updated and set on 1.59 fully fenced acres, OR zoning, NO HOA or CDD fees, a 3-stall barn and tack room, garden boxes and fruit trees! 3-bedroom, 3-bathroom home with privacy and a relaxed country lifestyle without sacrificing proximity to top-rated St. Johns County schools, shopping, and dining. A screened-in front porch welcomes you into an open floor plan filled with natural light. Over 12 foot ceilings in the family room add a spacious, airy feel. Interior features include fresh paint and new LVP flooring throughout, an updated brick fireplace, and three updated bathrooms. The kitchen features new quartz countertops, a brick backsplash, and double wall ovens, perfect for entertaining. Other improvements include fresh exterior paint, new Hardie® board siding-June 2026, new water heater-May 2026, artesian well, well pump replaced in 2017, septic drain field-2017, metal roof-May 2026 (half 2017), Updated plumbing & electrical. Outside, the fully
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).
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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: Metal — year not disclosed (home built 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
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: ~1,390 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.
As 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
Guana Reserve beach lot (north)about 18 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 0.5 mi · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 4 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 1 mi · St. Johns River
Closest youth league fields
Switzerland Point Parkabout 0.7 mi · Baseball, Football, Lacrosse, Softball, Track
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $514,380 | $244,015 | — |
2025 property taxes (current owner): $3,687/yr
Estimated taxes if purchased at asking price: ~$10,300/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Oct 23, 2026Closed$669,000
- Oct 1, 2026Active Under Contract$669,000
- Sep 29, 2026Price change$669,000−$10,000
- Aug 31, 2026Active$679,000
- Aug 18, 2026Pending$679,000
- Aug 11, 2026Active$679,000
- Aug 2, 2026Listed$679,000
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 $333/sq ft; this home is listed at $312/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1030 Bernath Road, St. Johns, FL 32259Listed by REMAX WELCOME HOME | Oct 2026 | $840,000 | $383 | 3/2 | 2,196 | 134 | 0.4 |
| 1425 Lee Road, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $1,000,000 | $631 | 3/2 | 1,584 | 13 | 0.6 |
| 786 Swiss Oaks Court, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $510,000 | $246 | 4/2 | 2,077 | 34 | 0.7 |
| 1768 Greenridge Circle E, St. Johns, FL 32259Listed by MOMENTUM REALTY | Oct 2026 | $550,000 | $215 | 5/3 | 2,560 | 11 | 1 |
| 1737 Heatherwood Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Oct 2026 | $570,000 | $256 | 4/2 | 2,229 | 1 | 1.2 |
| 2683 Foxhunt Trail, St. Johns, FL 32259Listed by SAM FOLDS, INC., REALTORS | Sep 2026 | $575,000 | $333 | 3/2 | 1,726 | 19 | 1.2 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA'S CHOICE REALTY LLC
Sold by: ROUND TABLE REALTY (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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 23, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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