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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·2 days on market

112 Lige Branch Lane

Fruit Cove, FL 32259

$465,000$244/sqftEst. $2,545/moMLS# 2167415
3
Beds
2
Baths
1,904
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XHOA $23/mo0.58 acresSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fruit Cove

Rare value in St. Johns County! Come see this spacious 3 BR/2 BA + Office/Flex Room situated on .58 acres and backing to a PRESERVE, with plenty of room to add a pool to your fully fenced backyard. This desirable area of ST. JOHNS is nestled between Julington Creek, Switzerland & Fruit Cove and is heralded for its proximity to A+ rated schools, golf courses, shopping & restaurants. LOW HOA & NO CDD FEES!!! Step inside this freshly painted, meticulously maintained home and discover a spacious split-bedroom floor plan that exudes form and functionality. The large great room features a GORGEOUS custom skylight, filling the space with abundant natural light, and flows into the adjoining dining room & convenient kitchen. Hardwood floors grace the main living areas, with new carpet in the bedrooms, a remodeled primary bath & plantation shutters throughout. Entertain with ease on the extended covered lanai adorned with pavers and overlooking your beautiful, fully fenced backyard. 2023 Roof.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$2,545
Property taxesest. at asking price, St. Johns County$619
HOAbilled annually$23
Estimated total, before insurance$3,187/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,468/yr · $206/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$465,000
$93,000
Loan Term
Monthly Payment
$2,545
Principal & Interest: $2,545
Property taxes (est.): $619
Insurance (est.): $310
Estimated Total Monthly
$3,474
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,433 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 home

As of October 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:22 AM, sunset 7:07 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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): $2,468/yr

Estimated taxes if purchased at asking price: ~$7,400/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.

History

Price & status history

  • Oct 2, 2026Active$465,000
  • Oct 1, 2026Listed$465,000

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

Features

Price$465,000
Price / Sq Ft$244
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,904
Acres0.58 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

Community Information

Address112 Lige Branch Lane, Fruit Cove, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionOak Harbour
CityFruit Cove
CountySt. Johns
StateFL
Zip Code32259
Lot Size25,264.8 sq ft
Parcel Number0098010980

Amenities

Community FeaturesSidewalks
UtilitiesCable Available
Water SourcePublic
ParkingAdditional Parking
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne
Window FeaturesSkylight(s)

Exterior

Lot DescriptionCorner Lot, Irregular Lot
Patio / PorchPatio
FencingFenced, Back Yard, Privacy, Wood

Additional Information

Date ListedOctober 2, 2026
Days on Market1
HOA Fees$275 / Annually
HOA FrequencyAnnually
HOA NameOak Harbour
Tax Amount$2,467.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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