This home is in St. Johns — a home near Bartram Trail High School.
$425,0004 bd · 2 ba · 1,901 sq ft
Active·48 days on market
1321 Wilshire Court
St. Johns, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Johns
Beautiful all brick 4/2 home in sought after St. Johns county on a private cul de sac. Large backyard, storage shed, covered back patio with heated hot tub. Large kitchen features a gas cooktop and desk space. Breakfast nook overlooking family room with gas fireplace. Spacious primary bedroom with walk in closet. Primary bathroom features dual vanities, garden tub and separate shower. Split bedrooms open floorplan. 4th bedroom/office in front of home. Gas water heater, separate spacious inside laundry room and much more.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2000)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,733 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.
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, 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
Guana Reserve beach lot (north)about 17 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 2 mi · 1 mi of trails
Closest public boat ramp
Mandarin Park Boat Rampabout 3 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
Switzerland Point Parkabout 2 mi · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publixabout 2 mi · 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): $3,001/yr
Estimated taxes if purchased at asking price: ~$6,800/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.
History
Price & status history
- Nov 8, 2026Price change$425,000−$34,000
- Oct 9, 2026Price change$459,000−$10,000
- Sep 22, 2026Listed$469,000
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 $256/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 112 Lige Branch Lane, Fruit Cove, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $450,000 | $236 | 3/2 | 1,904 | 7 | 0.3 |
| 1737 Heatherwood Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Oct 2026 | $570,000 | $256 | 4/2 | 2,229 | 1 | 0.3 |
| 1425 Lee Road, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $1,000,000 | $631 | 3/2 | 1,584 | 13 | 0.7 |
| 1590 Pitch Pine Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $720,000 | $399 | 3/3 | 1,805 | 92 | 0.7 |
| 200 Nottingham Drive W, St. Johns, FL 32259Listed by LANDBRIDGE REALTY GROUP LLC | Oct 2026 | $425,000 | $214 | 4/3 | 1,987 | 3 | 0.9 |
| 696 Hampton Downs Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $360,000 | $243 | 3/2 | 1,481 | 2 | 0.9 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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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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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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