This home is in River Oaks Plantation, St. Johns — a home near Bartram Trail High School.
$724,9004 bd · 4 ba · 2,916 sq ft
Active·49 days on market·River Oaks Plantation
1290 Cunningham Creek Drive
St. Johns, FL 32259
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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.
Next steps in River Oaks Plantation
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 E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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
Mickler's Landing Beachfront Park41 min drive · 202 parking spaces
Closest park or preserve
Alpine Groves Park5 min drive · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 2 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 2 mi · St. Johns River
Closest youth league fields
Mills Field9 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix6 min drive · 450 State Road 13 N, 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,470/yr
Estimated taxes if purchased at asking price: ~$11,600/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 28, 2026Price change$724,900−$5,000
- Oct 4, 2026Price change$729,900−$20,000
- Sep 25, 2026Price change$749,900−$25,100
- Sep 14, 2026Listed$775,000
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 $258/sq ft; this home is listed at $249/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1100 Creekwood Way N, St. Johns, FL 32259Listed by HANEY SIGNATURE REALTY LLC | Aug 2026 | $739,000 | $274 | 4/3 | 2,700 | 15 | 0.1 |
| 1204 Cunningham Creek Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $600,000 | $258 | 4/3 | 2,328 | 2 | 0.4 |
| 1014 Fruit Cove Road, Fruit Cove, FL 32259Listed by SERVICE REALTY, LLC | Sep 2026 | $580,000 | $227 | 4/3 | 2,552 | 65 | 0.6 |
| 1304 Honeysuckle Drive, Jacksonville, FL 32259Listed by THE LEGENDS OF REAL ESTATE | Sep 2026 | $726,100 | $264 | 5/3 | 2,747 | 3 | 0.8 |
| 1144 Holly Oaks Court, St. Johns, FL 32259Listed by REMAX WELCOME HOME | Sep 2026 | $865,000 | $243 | 5/3.5 | 3,559 | 20 | 0.9 |
| 1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORP | Sep 2026 | $680,000 | $240 | 4/3 | 2,839 | 80 | 1 |
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: REDFIN CORPORATION
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.
The neighborhood
About River Oaks Plantation
River Oaks Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
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