This home is in St. Johns — a waterfront home in St. Johns County.
Active·51 days on market
3328 State Road 13 N
St. Johns, FL 32259
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About this home
St. Johns
Exceptional St. Johns River waterfront home with 96 feet of direct river frontage, permitted private dock, riparian rights and navigable access to the Atlantic Ocean via the St. Johns River. Set on approximately .57 acres, this 2,802 sq ft two-story 3 BR/2.5BA residence offers a 2-car garage, beautiful fireplace, private non-shared well, shoreline retaining wall and a majestic 500 year old live oak tree. Distinctive construction includes coral and cedar planks with substantial 2x6 cedar framing. Rich in Old World Florida charm, the home presents a unique opportunity to restore and renovate while preserving its distinctive character. Enjoy wide river views, spectacular sunsets, boating and fishing from your own backyard. Located in St. Johns County and served by one of Florida's highest-performing school districts. A rare opportunity to own true riverfront property on one of Northeast Florida's defining waterways.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1984)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,300 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 homeAs 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.
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 20 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 3 mi · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creekabout 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 3 mi · Saint Johns River - Black Creek
Closest youth league fields
Rivertown Parkabout 0.2 mi · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publixabout 3 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:35 AM, sunset 6:46 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,496/yr
Estimated taxes if purchased at asking price: ~$20,000/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 6, 2026Price change$1,250,000−$250,000
- Sep 3, 2026Listed$1,500,000
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 $277/sq ft; this home is listed at $446/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 326 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $750,000 | $277 | 3/3 | 2,705 | 173 | 0.3 |
| 371 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Aug 2026 | $750,000 | $277 | 3/3 | 2,705 | 125 | 0.3 |
| 442 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Aug 2026 | $749,000 | $277 | 3/3 | 2,705 | 144 | 0.4 |
| 86 Black Horse Way, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $962,673 | $286 | 4/3.5 | 3,368 | 10 | 0.6 |
| 365 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $672,758 | $225 | 5/4 | 2,987 | 11 | 0.6 |
| 204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $619,000 | $207 | 4/2.5 | 2,987 | 0 | 0.7 |
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: RE/MAX ADVANCE REALTY II
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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