Single Family Residence in Fruit Cove Forest · No CDD on record
Fruit Cove Forest · Fruit Cove, FL 32259 · St. Johns County
Listing data updated October 1, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,744Sq Ft
1978Year Built
$257Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
18% above
$/sq ft vs community
$257 here vs $218 median sold (12 mo)
Buyer leverage
Seller-leaning
42 days on market
1.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 736 FRUIT COVE FOREST Road in Fruit Cove Forest, Fruit Cove is listed at $448,000 (1,744 sq ft, about $257 per sq ft). That sits within a few percent of Fruit Cove Forest's median closed sale of $397,500 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $218/sq ft by about 18%. It has been 42 days on market, longer than the community's typical 16 days to contract. Listing facts: built in 1978, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1978 · 48 yrs
1,744 sq ft of living area
2-car garage
Listed at $448,000 — recent neighborhood median sale price ~$397,500 (nearby sales; deemed reliable, not an appraisal)
42 days on market
No HOA reported by the listing (confirm)
School district: Schools Fruit Cove sits in the St. Johns County SchoolCommunity built 1978–2025Walmart Neighborhood Market · 3 min driveBella Vista Italian Restaurant · 3 min driveJulington Village · 3 min drive
Listing description
About this home
This turnkey home in a quiet, well-kept St. Johns County community offers a terrific combination of comfort, functionality, and outdoor living space on a large corner lot with no HOA and no CDD fees. Plenty of space to park your RV/boat/or other toys or add a pool.
Inside, the open living space features tile flooring throughout with a breakfast nook and a convenient kitchen counter bar, while a separate office/flex room provides versatile space for a home office. The owner's suite offers a walk-in closet, walk-in shower, and sliding glass door for direct access to the expansive covered screened rear porch. Oversized 2-car garage includedes a workshop.
Recent upgrades include new backsplash tile with quartz countertops, ceiling fans and light fixtures, updated knockdown ceilings, water heater, AC compressor, fresh paint and much more. Conveniently located near shopping, dining, and a boat ramp.
All 55 photos
Description provided by PROFITABLE PROPERTY REALTY LLC and reproduced from the MLS; not independently verified.
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
List price$448,000
Bed / bath3 / 2
Living area1,744 sq ft
Year built1978
Property typeSingle Family Residence
Garage2-car
MLS #2160731
Listing status42 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~18 ft
CountySt. Johns
Area listings1 active · 2 under contract
Estimated first-year tax~$5,350/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$257
Estimated monthly payment$3,081
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$397,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,081/mo
Principal & interest $2,392/mo78%
Taxes $446/mo14%
Insurance $243/mo8%
$3,081/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Johns County rate (13.47 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,325/yr ($360/mo) — taxable value $320,437 × 13.47 mills
$1,025 more each year
(+24%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$28,683
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$349,120
Market value
$320,437
Assessed
$320,437
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~18 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Fruit Cove Woods
Pricing & the Fruit Cove Woods market
How this home is priced against recent nearby sales, and where Fruit Cove Woods 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.
Price vs. size in Fruit Cove Woods
Each dot is a closed sale since 2001 (138 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $257/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 36 (cold).
Property timeline
This home’s history
1978BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 42 cumulative days on market as of October 1, 2026
Aug 20, 2026First seen on movewithmomentum.comObserved at $448,000
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.
Transparency
Price & listing history
Listed for $448,000Momentum Realty · on market 42 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in Fruit Cove Forest 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.
Sold Jul 2026
$339,400
1411 FOREST Lane, St. Johns
3 / 2 bd/ba · 1,581 sq ft · $215/sq ft
Courtesy of HOMEPRO REALTY JACKSONVILLE LLC · View details →
Sold Feb 2026
$420,000
1422 FRUIT COVE FOREST Road, Fruit Cove
3 / 2 bd/ba · 1,952 sq ft · $215/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Jul 2026
$495,900
1440 FOREST Lane, St. Johns
4 / 2 bd/ba · 2,028 sq ft · $245/sq ft
Courtesy of LIVE LOVELY REALTY LLC · View details →
Sold Mar 2026
$375,000
1440 FOREST Lane, Fruit Cove
3 / 2 bd/ba · 2,028 sq ft · $185/sq ft
Courtesy of STA SUNRISE REALTY · View details →
Median of these 4 sales: $397,500 ($218/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$334,848the mess$425,536
Stronger local evidence — 4 comparable closed sales in Fruit Cove Forest, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $448,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 42 days on market vs. a 16-day community median
1 active listing competing, 2 under contract
≈1.3 months of supply
9 closed here in the last 12 months
For reference, this home is listed at $448,000 ($257/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,744 sq ft × $192–$244/sq ft (±12% around the median of 4 comparable closed sales in Fruit Cove Forest, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Market liquidity (86), Market timing (64)
0 limited50100 exceptional
48/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area5
This home $257/sq ft vs the community 12-month median $218/sq ft.
Affordability29
List price $448,000 vs the community median $397,500. Not a measure of personal affordability.
Market liquidity86
Community median 16 days on market, ~1.3 months of supply (12-month record).
Pricing power56
Recent sales closed at about 96.8% of original asking (~3.2% below). More room below asking generally favors buyers.
Market timing64
Momentum Market Heat is 36/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.3 months of supply in the surrounding market and 42 days on market for this home, against a 16-day area median.Days on market:this home 42Area median: 16 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 September 30, 2026.
🟡 Asking $257 per square foot, about 18% above the community’s $218 median. Fruit Cove Woods’s 12-month median sold price per square foot is $218. Median sold price per square foot is down 30.3% year over year. Confidence: Low · 6 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
77% of homes in Fruit Cove Woods are owner-occupied. An estimated 23% are non-owner-occupied, including 10% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 276 homes matched. Community-level context.
Recent Fruit Cove Woods sales closed near 96.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 30, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Fruit Cove Woods, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by PROFITABLE PROPERTY REALTY LLC · MLS # 2160731
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Keep looking
Similar homes for sale near Fruit Cove Forest
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Civic
County zoning board unanimously denies a Daily's gas station proposal on SR 13
The St. Johns County Planning and Zoning Agency voted unanimously on July 9 to deny First Coast Energy's proposal for a Daily's gas station and car wash on State Road 13 beside the Fruit Cove Estates subdivision. It is the third denial on the parcel, which the company has pursued since buying the land in 2016, and an incomplete traffic study factored into the decision.
Why it matters: Repeated denials on this SR 13 parcel may suggest the county is holding a cautious line on commercial intensity along the corridor.
First Coast Expressway link at the Shands Bridge set to open June 29
The Florida Department of Transportation expects to open the final Clay County segment of the First Coast Expressway by midday Monday, June 29, adding signals at Leonard C. Taylor Parkway that let drivers head north onto the expressway directly off the Shands Bridge. State officials said St. Johns County communities such as Fruit Cove are expected to gain quicker access to the expressway than before.
Why it matters: Faster access to a limited access corridor at the Shands Bridge could broaden practical commute options for the Fruit Cove area, a factor that historically can influence demand along feeder routes.
County celebrates completion of CR-210 widening serving NW St. Johns growth
St. Johns County marked the completion of the County Road 210 widening project in late April 2026, a major arterial improvement in the growing northern part of the county. The widening was undertaken to expand capacity amid sustained regional growth.
Why it matters: Completing a major NW St. Johns arterial could improve east-west travel across the area and support access to the broader corridor near established communities like Fruit Cove.
UF Health Durbin Park medical office building issued $7.5 million build-out permit
St. Johns County issued a Feb. 5 build-out permit for 13,326 square feet of a 72,147-square-foot medical office building at the 42.5-acre UF Health Durbin Park campus, at 120 Flagler Health Way near Race Track Road. The county had issued a $10.8 million shell permit in April 2025. The medical office building was reported as targeting a summer 2026 opening, with a hospital planned for fall 2026.
Why it matters: A growing medical campus along the Race Track Road corridor could expand nearby healthcare access, an amenity sometimes referenced for established NW St. Johns neighborhoods.
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.
GRADEA
Hickory Creek Elementary SchoolPublic PreK-5 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Switzerland Point Middle SchoolPublic 6-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bartram Trail High SchoolPublic 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Walmart Neighborhood Market 3 min
Dining
Bella Vista Italian Restaurant 3 min
Shopping
Julington Village 3 min
Parks
Julington Creek Plantation Park 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 736 FRUIT COVE FOREST Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1978 (48 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.
Listed living area is 1,744 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 $5,350/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,025 more per year than the current owner’s estimated bill (+24%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
realMLS closed sales in Fruit Cove Forest, last 18 months, as of September 30, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; 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.
Answered before you ask
Frequently asked questions
How big is 736 FRUIT COVE FOREST Road and when was it built?
Per the listing record, 736 FRUIT COVE FOREST Road was built in 1978 and has 1,744 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 736 FRUIT COVE FOREST Road in?
736 FRUIT COVE FOREST Road is in Fruit Cove Forest in Fruit Cove, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 736 FRUIT COVE FOREST Road 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 736 FRUIT COVE FOREST Road differ from the current owner's?
The estimate on this page (about $5,350 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,025 more per year than the current owner’s estimated bill (+24%). 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 736 FRUIT COVE FOREST Road 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.
Ready when you are
See 736 FRUIT COVE FOREST Road in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
