This home is in St. Johns — a waterfront home in St. Johns County.
Active·77 days on market
435 Walnut Drive
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
*Meticulously maintained 2-story home with exceptional upgrades throughout* *Two primary suites, each with its own full bathroom* *No carpet -- tile flooring downstairs and wood flooring upstairs* *2020 HVAC and 2023 water heater* *New exterior paint and stucco completed in 2026* *Fresh interior paint on walls, trim, and ceilings* *Spacious kitchen with granite countertops, stainless steel appliances, espresso cabinetry with crown molding, and upgraded pull-out drawers* *Oversized custom shelving in the pantry* *Large laundry room with washer and dryer included* *2-car garage with water loop for a water softener* *Screened-in porch with tile flooring and brand-new screening* *Community pool just a short walk behind the home* *Community amenities include tennis, pickleball, and basketball courts* *High-speed connectivity with Cat 6 Ethernet wired to every room and fiber optic service* *Electronic blinds in the living room* *Crown molding throughout the downstairs*
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.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2012)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,781 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.
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 8 mi · 70 parking spaces
Closest park or preserve
Gourd Island Conservation Areaabout 3 mi · 3.3 mi of trails
Closest public boat ramp
Palm Valley Public Landingabout 6 mi · Tolomato River
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launchabout 5 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Durbin Crossing Parkabout 3 mi · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Aldiabout 0.3 mi · 100 Little Cypress Drive, 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): $2,190/yr
Estimated taxes if purchased at asking price: ~$4,600/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 2, 2026Active$285,000
- Sep 29, 2026Active Under Contract$285,000
- Aug 13, 2026Listed$285,000
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 $163/sq ft; this home is listed at $167/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 808 Black Cherry Drive S, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $194,000 | $153 | 2/2.5 | 1,268 | 39 | 0.1 |
| 1018 N Black Cherry Drive, St. Johns, FL 32259Listed by REMAX WELCOME HOME | Sep 2026 | $188,700 | $129 | 3/2.5 | 1,468 | 25 | 0.2 |
| 6199 Bartram Village Drive, Jacksonville, FL 32258Listed by WATSON REALTY CORP | Sep 2026 | $243,000 | $172 | 3/2.5 | 1,412 | 34 | 1.1 |
| 6078 Bartram Village Drive, Jacksonville, FL 32258Listed by EAGLES WORLD REALTY, INC | Sep 2026 | $251,000 | $183 | 3/2.5 | 1,368 | 84 | 1.2 |
| 6088 Bartram Village Drive, Jacksonville, FL 32258Listed by RE/MAX SPECIALISTS PV | Sep 2026 | $257,800 | $145 | 3/2.5 | 1,773 | 49 | 1.2 |
| 14881 Bartram Village Lane, Jacksonville, FL 32258Listed by ORANGE SLICE PROPERTIES LLC | Aug 2026 | $305,000 | $163 | 3/2.5 | 1,871 | 77 | 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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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