970 Fruit Cove Rd, Saint Johns, FL 32259 Property Records

St. Johns County property record for 970 Fruit Cove Rd, Saint Johns, FL 32259

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,585 sqft · built 2001
Lot Size	3.32 acres (144,619 sqft)
Owner	Company Name on File
Last Sale	$2,100,000 (Oct 2025)
Tax Bill	$9,722 (2025)
Deeds & Mortgages	Oct 2025 Sale Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`006960-0130`

Property Details

APN / Parcel Number

Primary APN	`006960-0130`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	4,585 sqft Living Area
1st Floor Area	3,924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	144,619 sqft (3.32 acres)
Lot Width	100 ft Width
Garage Area	1,824 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	50 sqft
Patio Area	1,917 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	970 FRUIT COVE RD
City	SAINT JOHNS
State	FL
Zip	32259-3149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	5-13 FRUIT COVE TERRACE LOT 13 (EX E10FT IN R/W RD S13-B & 14.6 X 30.8FT IN OR219/902) OR6245/1629
Legal Range	27E
Legal Township	04S
Legal Section	54
Legal Subdivision	FRUIT COVE TERRACE
Legal Block	1
Legal Lot Number	13
Jurisdiction	ST JOHNS FL
Township / Civil Division	FRUIT COVE
Census Block Group	1
Census Block	1003
Census Tract	20803

Owner

970 Fruit Cove Rd is owned by a company that bought it in October 2025.

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

Owner of Record	Company Name on File
Mailing Address	451 THREE MEADOWS LN, EVERGREEN, CO 80439-7959
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC
Nov 26, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Deed Document Number	202587431
Deed Book / Page	6245 / 1629
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOHNS FL
Recording Date	Oct 27, 2025
Property Address	970 FRUIT COVE RD, SAINT JOHNS, FL 32259-3149
Document Number	0062451629
Book / Page	6245 / 1629
Map Reference	MB 5 PG 13
Instrument Date	Oct 16, 2025
Instrument	2025087431
Transaction Type	Transfer
Record Updated	Nov 6, 2025
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$14,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 CHIPLEY PL W, SAINT JOHNS, FL 32259-4331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 THREE MEADOWS LN, EVERGREEN, CO 80439-7959

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOHNS FL
Property Address	970 FRUIT COVE RD, SAINT JOHNS, FL 32259-3149
Document Number	0046540639
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 FRUIT COVE RD ST JOHNS FL 322593149, ST JOHNS, FL 32259-3149

Mortgage

Document Number	0046540639
Date	Dec 14, 2018
Book Page	004654/000639
Instrument	89247

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 970 Fruit Cove Rd was $9,722, up 11.4% from the year before.

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		$1,740,537 (+136.54%) Land $830,000 Building $910,537	$1,740,537 (+17.86%) Land $830,000 Building $910,537
2025	$9,722.00 (+11.4%) Homeowner's exemption	$735,847 (+2.9%)	$1,476,722 (+6.64%) Land $764,080 Building $712,642
2024	$8,727.00 (+1.87%) Homeowner's exemption	$715,109 (+3%)	$1,384,791 (+8.91%) Land $693,280 Building $691,511
2023	$8,567.00 (+2.49%) Homeowner's exemption	$694,281 (+3%)	$1,271,502 (-2.41%) Land $693,280 Building $578,222
2022	$8,359.00 Homeowner's exemption	$674,059	$1,302,924 Land $693,280 Building $609,644

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 970 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	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

Wildfire risk around 970 Fruit Cove Rd is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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