This home is in River Oaks Plantation, St. Johns — a home near Bartram Trail High School.
Active·Listed today·River Oaks Plantation
1290 Cunningham Creek Drive
St. Johns, FL 32259
About this home
River Oaks Plantation
Discover luxury living in this gorgeous 4-bedroom, 4-bathroom pool home in River Oaks Plantation. Situated on a spacious corner lot with a circular driveway and attractive landscaping, this bright and roomy residence offers an open layout, high ceilings, and a split-bedroom floor plan. Two bonus spaces provide flexibility for a home office, media room, hobby space, or additional living area. Crown molding adds an elegant touch throughout the home, while the living room features a tray ceiling, cozy fireplace, and built-in shelving and cabinetry. Large windows fill the interior with natural light and create a bright, welcoming atmosphere. The beautiful kitchen flows into a charming breakfast nook with a large window overlooking the sparkling pool. The expansive primary suite offers a private retreat with its own entrance to the pool, while upstairs, a second primary suite provides additional privacy and versatility.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,470/yr
Estimated taxes if purchased at asking price: ~$12,400/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 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,709 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 homeThis 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 14, 2026Listed$775,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About River Oaks Plantation
River Oaks Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all River Oaks Plantation homes for sale →Listing Courtesy of: REDFIN CORPORATION
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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9/19/2026
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