Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Julington Creek, Fruit Cove — a waterfront home in St. Johns County.

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Active

Active·Listed today·Julington Creek

940 Blackberry Lane

Fruit Cove, FL 32259

$529,900$216/sqftEst. $2,724/moMLS# 2162868

Beds

Baths

2,452

Sq Ft

1997

Built

Garage

Pool

About this home

Julington Creek

Welcome to 940 Blackberry Lane, a beautifully refreshed 4-bedroom, 3-bath home situated on a premium lakefront lot in the highly sought after Julington Creek Plantation community. Freshly painted inside & out, this inviting home features a spacious, open split-bedroom floor plan designed for both comfortable living & entertaining. The formal living & dining areas offer added flexibility, while the 4th bedroom can easily serve as a private home office or guest suite. The primary bedroom features separate his & her closets and en-suite bath w/ duel vanities, a walk-in shower, & a relaxing garden tub. Enjoy peaceful lake views & all the exception amenities & lifestyle that Julington Creek Plantation has to offer, incl'g access to premier community amenities, parks, recreation facilities, walking trails, & one of the most sought-after school districts in Florida. Conveniently located near shopping, dining, healthcare, & major commuter routes, this home delivers luxury & convenience.

Cost to own

Mortgage calculator

Home Price

$529,900

Down Payment: 20%

$105,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,724

Principal & Interest: $2,724

Property taxes (est.): $705

Insurance (est.): $353

Estimated Total Monthly

$3,783

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,724

Property taxesest. at asking price, St. Johns County$705

HOAbilled annually$48

Estimated total, before insurance$3,478/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,349/yr · $362/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): $4,349/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1997)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,729 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 home

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

Sep 1, 2026Listed$529,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$529,900

Price / Sq Ft$216

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,452

Acres0.29 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address940 Blackberry Lane, Fruit Cove, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CityFruit Cove

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,632.4 sq ft

Parcel Number2493502530

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySmoke Detector(s)