This home is in Fruit Cove — a pool home in St. Johns County.
Active·Listed today
1020 Fruit Cove Road
Fruit Cove, 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
Fruit Cove
Water Front Lovers, This is the DREAM HOME for YOU !!! One of the Most INCREDIBLE Riverfront Estate Homes with an Additional Guest House I've Ever Listed just under 2 Acres, in FRUITOVE !!! With the Main House coming in at 5,272 Sq Ft, and the Additional Guest Home at just Under 1,100 Sq Ft, This Estate is Perfect for bringing the In-Laws, Parents, Grandparents, or those Adult Children that JUST WON'T LEAVE !!! From the Moment you enter the Estate, you will be blown away from the Massive Century Old Oaks, Just a short distance from State Rd 13 & all of the Shopping, This Home is in an Incredible Top School District in the Entire State of Florida, Imagine the Sunsets, Fireworks from Down Town Jax, Orange Park, Green Cove Springs, just Amazing. This Home has it ALL !!!!! Bring your Sailboats, Massive Fishing Boats, Jet Skiis, No Fixed Bridges like in Julington Creek, Cruise to the Ocean, or to Orlando via the St Johns River. This Home is PRICED to Sell !!!!!!!!!
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.
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 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,679 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.
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 Park39 min drive · 202 parking spaces
Closest park or preserve
Alpine Groves Park9 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 Field10 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix7 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,934,564 | $1,293,326 | — |
| 2024 | $1,806,522 | $1,256,028 | ▲ $65,400 |
| 2023 | $1,571,827 | $1,217,843 | — |
| 2022 | $1,537,062 | $1,185,270 | — |
| 2021 | $1,211,391 | $1,149,277 | — |
| 2020 | $1,217,781 | $1,133,212 | — |
2025 property taxes (current owner): $18,249/yr
Estimated taxes if purchased at asking price: ~$47,800/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 (2025), NEFMLS.
History
Price & status history
- Oct 30, 2026Listed$2,995,000
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 $458/sq ft; this home is listed at $472/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 970 Fruit Cove Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2025 | $2,100,000 | $458 | 3/3.5 | 4,585 | 97 | 0.1 |
| 1128 Mill Creek Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Jan 2026 | $1,440,000 | $273 | 5/4.5 | 5,280 | 0 | 0.7 |
| 1141 Popolee Road, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Feb 2026 | $1,485,000 | $290 | 6/5 | 5,124 | 91 | 1.1 |
| 1383 Wentworth Avenue, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Jun 2025 | $2,900,000 | $594 | 5/6 | 4,879 | 57 | 1.6 |
| 14242 River Story Drive, Jacksonville, FL 32223Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $4,575,000 | $859 | 5/4.5 | 5,328 | 16 | 2.1 |
| 12844 Bay Plantation Drive, Jacksonville, FL 32223Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2025 | $1,300,000 | $279 | 5/5 | 4,656 | 20 | 2.1 |
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: 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.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines