Single Family Residence in Fruit Cove Forest · No CDD
Fruit Cove Forest · Fruit Cove, FL 32259 · St. Johns
Listing data updated September 10, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,744Sq Ft
1978Year Built
$257Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
18% above
$/sq ft vs community
$257 here vs $218 median sold (12 mo)
Buyer leverage
Balanced market
21 days on market
2.4 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 September 10, 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 21 days on market. 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)
21 days on market
HOA ~$50/mo (estimate; 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
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 41 (normal).
Property timeline
This home’s history
1978BuiltPer public record
Aug 20, 2026First trackedObserved at $448,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,929/mo
Principal & interest $2,315/mo79%
Taxes $321/mo11%
Insurance $243/mo8%
HOA $50/mo2%
$2,929/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,325/yr ($360/mo)
+$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 doesn’t 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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
47/100
Strongest on: Market liquidity (79), Market timing (59)
0 limited50100 exceptional
47/100 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 liquidity79
Community median 16 days on market, ~2.4 months of supply (12-month record).
Renovation upside56
From a 1978 build and $257/sq ft vs the community median $218/sq ft. Not a condition assessment.
Pricing power56
Recent sales closed at about 96.8% of original asking (~3.2% below). More room below asking generally favors buyers.
Market timing59
Momentum Market Heat is 41/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 2.4 months of supply in the surrounding market and 21 days on market for this home, against a 16-day area median.Days on market:this home 21Area 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 9, 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.
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 9, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Fruit Cove Woods, no CDD assessment.
Updated September 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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.
Description provided by PROFITABLE PROPERTY REALTY LLC and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$448,000
Bed / bath3 / 2
Living area1,744 sq ft
Year built1978
Property typeSingle Family Residence
Garage2-car
MLS #2160731
Listing status21 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~18 ft
Windstorm exposureModerate
CountySt. Johns
Area listings2 active · 1 under contract
Estimated first-year tax~$3,853/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$257
Estimated monthly payment$2,929
Insurance (illustrative)$2k–$4k/yr
Messtimate range$374,960 – $383,680
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
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.
$374,960the mess$383,680
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 2% 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 — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
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: 21 days on market vs. a 16-day community median
2 active listings competing, 1 under contract
≈2.4 months of supply
10 closed here in the last 12 months
For reference, this home is listed at $448,000 ($257/sq ft) — a number set with analysis a Messtimate can't do.
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 × $215–$220/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 10, 2026.
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.
Listed for $448,000Momentum Realty · on market 21 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$3,853/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by PROFITABLE PROPERTY REALTY LLC · MLS # 2160731
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Market data · public records
Recent sales activity in Fruit Cove Forest
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Fruit Cove Forest neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$397,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$218
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Fruit Cove Forest
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
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.
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
Assigned schools
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.
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)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Oct 2025
$365,000
1445 FRUIT COVE FOREST Road, Fruit Cove
3 / 2 bd/ba · 1,660 sq ft · $220/sq ft
Courtesy of HOMEPRO REALTY JACKSONVILLE LLC · View details →
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 →
Community 12-month median: $218/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,053 – $2,987/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$937 – −$96At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
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 $3,853/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Fruit Cove
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: September 10, 2026)
Community market stats
realMLS closed sales, as of September 9, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
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 community section on this page shows recent closed sales, days on market, and active inventory for Fruit Cove Forest 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 $3,853 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. 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 a typical county millage rate to the list price 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.
