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This home is in Mandarin Meadows, St. Johns — a home near Creekside High School.

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Active·6 days on market·Mandarin Meadows

936 Fruitwood Drive

St. Johns, FL 32259

$700,000$289/sqftEst. $3,617/moMLS# 2162505

Beds

Baths

2,425

Sq Ft

1975

Built

Garage

Pool

About this home

Mandarin Meadows

This home is a MUST see!! Updated and move-in ready, this beautiful 4-bedroom, 2.5 bathroom home sits on an oversized 100' x 150' lot in the highly desirable Fruit Cove area. This home features a thoughtfully redesigned interior, nearly every detail has been updated for modern living. The home features a bright open floor plan with new kitchen featuring new 42''cabinets, stainless appliances, quartz counters & huge quartz island perfect for entertaining. All the bathrooms have been updated, LVP Floors throughout(No carpet), All new fixtures, New water heater 2025 & New Roof 2026. NO HOA. Large garage & plenty of room for a boat/RV. Enjoy the space and privacy of a peaceful, established neighborhood while remaining conveniently close to highly rated St. Johns County schools, shopping, dining, recreation and the St. Johns River with the beaches just a short drive away. Fresh, modern and truly move-in ready this home is a MUST see!!

Cost to own

Mortgage calculator

Home Price

$700,000

Down Payment: 20%

$140,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,617

Principal & Interest: $3,617

Property taxes (est.): $932

Insurance (est.): $467

Estimated Total Monthly

$5,015

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.71% · 30yr$3,617

Property taxesest. at asking price, St. Johns County$931

Estimated total, before insurance$4,549/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,294/yr · $441/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,294/yr

Estimated taxes if purchased at asking price: ~$11,200/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.

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: Shingle — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,488 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 September 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