120 Rustic Oaks Lane, St. Johns, FL 32259
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 13, 2026, 120 RUSTIC OAKS Lane in Fruit Cove Terrace, St. Johns is listed at $2,195,000 (3,878 sq ft, about $566 per sq ft). It has been 61 days on market. Listing facts: built in 2003, a private pool, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2003 · 23 yrs
- 3,878 sq ft of living area
- 3-car garage
- Listed at $2,195,000 — recent neighborhood median sale price ~$876,250 (nearby sales; deemed reliable, not an appraisal)
- 61 days on market
- No HOA reported by the listing (confirm)
About this home
Welcome to 120 Rustic Oaks Lane - a generational estate where the days are filled with the comfort and conveniences of home and every evening is a blank canvas waiting to be painted with the most vibrant colors of sunsets over the wide waters of the St. Johns River. This two-story, stately four-sided brick home is a boater's paradise, nestled on 1.25 acres of beautifully landscaped land with 110 feet of river frontage.
Through the upgraded double front doors and entry tower, you are immediately drawn outside to the pool and river, as this home was designed to maximize the views. A large entry foyer is highlighted by high ceilings, large chandelier and an enchanting curved staircase with iron spindles. The main level is the perfect place for large gatherings with the central Great Room features a two story wall of windows, custom fireplace, and custom built-ins.
The gourmet kitchen has been updated to include quartzite countertops, glass tile backsplash, large cooking and eating island eat-in dining area, new stainless-steel appliances, and of course - a mesmerizing view of the pool and river from the large sink. Around the corner from the kitchen, a large flex room complete with French doors is yours to customize to your needs - a large home office, formal dining room, playroom, or a second den/media room. Adjacent powder room and a customized drop zone with loads of storage complete this wing of the main level.
The opposite wing downstairs provides a main level primary suite, complete with en-suite bath, dedicated zoned temperature control and access out to the large screened lanai for more expansive river views. Up the grand staircase, you will find two spacious secondary bedrooms with shared bath and lovely views of the river and property. A wide upstairs balcony boasts sweeping views of the main level and out to the water.
The large laundry room provides all the space you will need and is pre-plumbed for a future laundry sink. The main Primary Suite expands the entire wing of this upper level and is highlighted by a wall of windows and water vistas for days, bath with dual vanities, jetted garden tub, walk in shower, and large custom closet. Even more living space abounds over the 3-car garage, with a large finished room, closet, and powder room - the perfect space for a 5th bedroom, overflow guest space, music/band space, and much more.
Speaking of the garage - in addition to 3 cars with one bay deep enough to store a 22 ft trailered boat, you will find loads of storage and workshop space. Stepping outside, there is something for everyone! Centrally located in the backyard is the stunning salt-water pool with paver deck - perfect for floating on warm summer day, watching the Spanish moss sway from the stately oaks.
Imagine smore's nights outside at the firepit overlooking the river - just bring your Adirondack chairs! A new seawall provides peace of mind protection for the property. Ready for fun boat days?!
Take a stroll out on the dock (don't forget to say hi to the manatees!) out to the covered boatlift area, where you will always have deep water access! Venture to Black Creek in 15 minutes, Doctors Lake in 20 minutes, and the deep blue water in just over an hour! An added bonus is this property is high and dry X flood zone, so no lender flood insurance required!
This custom home features 2 by 6 construction, thick drywall, custom cabinetry, pre-planned and wired for central vac, and custom touches throughout with built-in bookcase, niches and upgraded millwork. Current owners have updated many of the systems of this home, including new roof, well and septic updates, new pool equipment, a whole home water treatment system with reverse osmosis and much more - please ask to see full list of updates and upgrades! Located in the desirable Fruit Cove area in St.
Johns County with easy access to shopping, grocery, medical and A-rated schools, this premium waterfront paradise is waiting for you to fill its walls with your …
All 106 photos
Description provided by KELLER WILLIAMS ST JOHNS and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $12,158/mo 83%
- Taxes $1,573/mo 11%
- Insurance $930/mo 6%
$14,661/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 120 Rustic Oaks Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | Buy at the asking price of $2,195,000 and the first-year bill resets to about $29,050/yr (St. Johns County total millage 13.4686 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $8,000–$16,000/yr; neither is a quote. |
| Roof and age | Built in 2003. An original roof would be about 23 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $2,536/month (tax $2,421, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Fruit Cove Terrace market
How this home is priced against recent nearby sales, and where Fruit Cove Terrace has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2003BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 61 cumulative days on market as of October 13, 2026
- Oct 13, 2026First seen on movewithmomentum.comObserved at $2,195,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $876,250 ($229/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1074.0 months of supply in the surrounding market and 61 days on market for this home, against a 68-day area median.Days on market:this home 61Area median: 68 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 13, 2026.
🟡 Asking $566 per square foot, about 147% above the community’s $229 median. Fruit Cove Terrace’s 12-month median sold price per square foot is $229. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS ST JOHNS · MLS # 2160399
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More on St. Johns County
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Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 120 RUSTIC OAKS Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2003 (23 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,878 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $18,877/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 13, 2026) |
| Comparable sales | realMLS closed sales within about 3 miles, last 18 months, as of October 13, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 120 RUSTIC OAKS Lane and when was it built?
Per the listing record, 120 RUSTIC OAKS Lane was built in 2003 and has 3,878 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 120 RUSTIC OAKS Lane in?
120 RUSTIC OAKS Lane is in Fruit Cove Terrace in St. Johns, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 120 RUSTIC OAKS Lane have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 120 RUSTIC OAKS Lane differ from the current owner's?
The estimate on this page (about $18,877 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 120 RUSTIC OAKS Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.