770 Fruit Cove Dr E, Saint Johns, FL 32259 Property Records

St. Johns County property record for 770 Fruit Cove Dr E, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1976
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Sep 2020)
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005423-0050`

Property Details

APN / Parcel Number

Primary APN	`005423-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	2,052 sqft
1st Floor Area	1,548 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	770 FRUIT COVE DR E
City	SAINT JOHNS
State	FL
Zip	32259-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	12-38 FRUIT COVE OAKS ALL LOT 5 (EX NE TRI) & SE TRI PT OF LOT 6 BLK 3 OR5038/1171
Legal Range	27E
Legal Township	04S
Legal Section	31
Legal Subdivision	FRUIT COVE OAKS
Legal Block	3
Legal Lot Number	5,6
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1016
Census Tract	20803

Owner

Source: St. Johns County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	770 FRUIT COVE DR E, SAINT JOHNS, FL 32259-3805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Mar 23, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on Record
Deed Sale	Sep 10, 2020 · Amount on Record
Prior Sale	Mar 23, 2018 · Amount on Record
Deed Document Number	202076968
Deed Book / Page	5038 / 1171
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Sep 10, 2020
Property Address	770 FRUIT COVE DR E, SAINT JOHNS, FL 32259-3805
Document Number	0050381171
Book / Page	5038 / 1171
Map Reference	MB 12 PG 37&38
Instrument Date	Aug 20, 2020
Instrument	2020076968
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 CLOVERLY PT, 60, SAINT AUGUSTINE, FL 32092-7655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 FRUIT COVE DR E, SAINT JOHNS, FL 32259-3805

Mortgage

Document Number	50381173
Date	Sep 10, 2020
Instrument	5038/1173

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Mar 23, 2018
Property Address	770 FRUIT COVE DR E, SAINT JOHNS, FL 32259-3805
Document Number	0045200853
Book / Page	004520 / 000853
Instrument Date	Mar 21, 2018
Instrument	19414
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	770 FRUIT COVE DR E ST JOHNS FL 322593805, ST JOHNS, FL 32259-3805

Mortgage

Document Number	45200855
Date	Mar 23, 2018
Book Page	004520/000855
Instrument	19415

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

Tax Assessment & Valuation

Source: St. Johns County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Florida
County	St. Johns County
Unified School District	St. Johns County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$260,791 (+2.7%)	$328,145 (+6.73%) Land $95,000 Building $233,145
2025	$3,232.00 (+13.28%) Homeowner's exemption	$253,935 (+2.9%)	$307,463 (-6.5%) Land $95,000 Building $212,463
2024	$2,853.00 (+2.08%) Homeowner's exemption	$246,778 (+3%)	$328,820 (-2.25%) Land $115,000 Building $213,820
2023	$2,795.00 (+3.14%) Homeowner's exemption	$239,590 (+3%)	$336,396 (+20.85%) Land $120,000 Building $216,396
2022	$2,710.00 Homeowner's exemption	$232,612	$278,347 Land $78,400 Building $199,947

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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	Hurricane Irma, Sep 2017 · 22 claims Hurricane Matthew, Oct 2016 · 5 claims Hurricane Frances, Sep 2004 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SJCU-FRUIT COVE OAKS WS private · serves 485 people · EPA ID FL2550396
Water Source	Groundwater
Last State Inspection	Jan 2026
Also Mapped Here	BAYSIDE ESTATES WTP
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 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

May also be available: IQ Fiber, Verizon.

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