This home is in Celestina, Fruit Cove — a home near Creekside High School.
Active·3 days on market·Celestina
103 Sitara Lane
Fruit Cove, FL 32259
About this home
Celestina
Explore this gorgeous Cal-Atlantic-built home in the prestigious Estate Section of Celestina. Designed for exceptional living and effortless entertaining, this expansive multigenerational residence offers room for everyone, with 6 bedrooms, 6.5 bathrooms, a private office, and a bonus/theater room. Enter to a grand staircase, soaring ceilings, and an abundance of natural light that creates an inviting sense of space. The generously sized gourmet kitchen is the heart of the home, offering plenty of room for both intimate gatherings and large-scale entertaining. The luxurious primary suite provides a private retreat, complete with a beautifully appointed spa-like bathroom designed to offer the ultimate in comfort and relaxation. Both levels offer expansive outdoor living spaces overlooking the serene pond, creating the perfect setting for relaxing, entertaining, and enjoying Florida's beautiful year-round lifestyle.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $11,805/yr
Estimated taxes if purchased at asking price: ~$20,800/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.
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: Tile — year not disclosed (home built 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,780 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 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 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.
History
Price & status history
- Aug 10, 2026Listed$1,300,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Celestina
Celestina is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Celestina homes for sale →Listing Courtesy of: DOUGLAS ELLIMAN FLORIDA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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