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 Aberdeen, Fruit Cove — a home near Bartram Trail High School.

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Active

Active·Listed today·Aberdeen

629 Melrose Abbey Lane

Fruit Cove, FL 32259

$675,000$190/sqftEst. $3,488/moMLS# 2163917

Beds

Baths

3,544

Sq Ft

2019

Built

Garage

Pool

About this home

Aberdeen

6 bedroom 4 bathrooms, 2 bedrooms and 2 bathrooms on main level. 1 bedroom upstairs has an en-suite bathroom. 4 bedrooms upstairs with a huge loft with a movie projector and screen. 3 person sauna in guestroom, 1200 gal heated swim spa on extremely large screened lane, with extras space for a pool. backyard is completely fence with gates on either side for easy access. 3 car garage with EV charging plug, 28 solar panels for reduced electric bills and a Battery backup pack.

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,488

Principal & Interest: $3,488

Property taxes (est.): $898

Insurance (est.): $450

Estimated Total Monthly

$4,836

*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$3,488

Property taxesest. at asking price, St. Johns County$898

HOAbilled annually$4

Estimated total, before insurance$4,390/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,082/yr · $257/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): $3,082/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,758 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

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

Price & status history

Sep 8, 2026Listed$675,000

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

Features

Price$675,000

Price / Sq Ft$190

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage3,544

Acres0.25 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address629 Melrose Abbey Lane, Fruit Cove, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CityFruit Cove

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,890 sq ft

Parcel Number0096814610

Amenities

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Other

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)