St. Johns County property record for 1048 Fruit Cove Rd, Saint Johns, FL 32259
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,170 sqft · built 1992 |
| Lot Size | 3.42 acres (148,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $875,000 (May 2021) |
| Tax Bill | $13,100 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jul 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 007060-0000 |
| Primary APN | 007060-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,170 sqft Living Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 2,170 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 148,975 sqft (3.42 acres) |
| Lot Dimensions | 600 ft deep x 100 ft wide |
| Garage Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Glass Porch |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1048 FRUIT COVE RD |
|---|---|
| City | SAINT JOHNS |
| State | FL |
| Zip | 32259-3152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | 5-13 FRUIT COVE TERRACE LOT 21 DB244/365 & OR5256/727 |
| Legal Range | 27E |
| Legal Township | 04S |
| Legal Section | 54 |
| Legal Subdivision | FRUIT COVE TERRACE |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | ST JOHNS FL |
| Township / Civil Division | FRUIT COVE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20803 |
1048 Fruit Cove Rd is owned and occupied by two individuals who bought it in May 2021.
Source: St. Johns County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1048 FRUIT COVE RD, SAINT JOHNS, FL 32259-3152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK |
| Jul 29, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2021 · Amount on File |
| Deed Sale | May 4, 2021 · Amount on File |
| Prior Sale | Jul 29, 2019 · Amount on File |
| Deed Document Number | 202150133 |
| Deed Book / Page | 5256 / 727 |
| Prior Transfer Date | Nov 28, 2005 |
| Prior Transfer Doc | 0025970301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | May 4, 2021 |
| Property Address | 1048 FRUIT COVE RD, SAINT JOHNS, FL 32259-3152 |
| Document Number | 0052560727 |
| Book / Page | 5256 / 727 |
| Map Reference | MB 5 PG 13 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2021050133 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 FRUIT COVE RD, ST JOHNS, FL 32259-3152 |
| Name | Verified Name |
|---|---|
| Address | 1040 FRUIT COVE RD, ST JOHNS, FL 32259-3152 |
| Document Number | 0005256729 |
|---|---|
| Date | May 4, 2021 |
| Instrument | 5256/729 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST JOHNS FL |
| Recording Date | Jul 29, 2019 |
| Property Address | 1048 FRUIT COVE RD, SAINT JOHNS, FL 32259-3152 |
| Document Number | 0047661926 |
| Book / Page | 004766 / 001926 |
| Instrument Date | Jul 24, 2019 |
| Instrument | 54486 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $5,005.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1040 FRUIT COVE RD ST JOHNS FL 322593152, ST JOHNS, FL 32259-3152 |
The 2025 property tax bill for 1048 Fruit Cove Rd was $13,100 with a homeowner's exemption, up 11.2% from the year before.
Source: St. Johns County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | St. Johns County |
| Unified School District | St. Johns County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,013,234 (+2.7%) | $1,101,948 (+6.75%) Land $842,500 Building $259,448 | |
| 2025 | $13,100.00 (+11.18%) Homeowner's exemption | $986,596 (+2.9%) | $1,032,270 (+7.66%) Land $774,720 Building $257,550 |
| 2024 | $11,783.00 (+9.17%) Homeowner's exemption | $958,791 (+10.25%) | $958,791 (+10.25%) Land $703,920 Building $254,871 |
| 2023 | $10,793.00 (-2.77%) Homeowner's exemption | $869,637 (+2.44%) | $869,637 (+2.44%) Land $703,920 Building $165,717 |
| 2022 | $11,100.00 | $848,897 | $848,897 Land $703,920 Building $144,977 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1048 Fruit Cove Rd in Zone X, an area of minimal flood risk, though there have been 39 flood claims nearby since 1991.
Source: FEMA National Flood Hazard Layer, effective September 15, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 102 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 102 in force |
| Nearby Flood Claims | 39 (1991–2017) |
| Claims Outside the SFHA | 26 of 39 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1048 Fruit Cove Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAYSIDE ESTATES WTP private · serves 180 people · EPA ID FL2554344 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | JEA MAJOR GRID |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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