Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$513,000

184 FLACH Drive, Fruit Cove, FL 32259

Lakes At Mill Creek

Price
$513,000
Beds / Baths
4 / 2
Living area
1,902 sqft
Year built
2019
Type
Residential
Lot
0.19 ac
Garage
2
HOA
$50/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
63
Elementary
Hickory Creek
Middle
Switzerland Point
High school
Bartram Trail

$272/sqft asking, vs a $221/sqft median across 2,395 closed sales in 32259 over the last 12 months — 23% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome home to this beautifully maintained 4-bedroom, 2-bath residence nestled in the heart of desirable St. Johns County! Backing up to a peaceful wooded preserve with no rear neighbors, this home offers the perfect blend of privacy and everyday convenience. Enjoy attractive curb appeal with manicured landscaping, a spacious two-car garage, and a thoughtfully designed floor plan ideal for both relaxing and entertaining. Located in one of Northeast Florida's most sought-after communities, you'll be just minutes from top-rated St. Johns County schools, shopping, dining, parks, and major commuter routes. Whether you're looking for your first home, a place to grow your family, or simply want to enjoy the Florida lifestyle, this home is one you won't want to miss!

What to check on this one

  • Verify flood zone designation and elevation certificate requirement with county.
  • Pull flood insurance quote—location relative to St. Johns River watershed matters.
  • Confirm roof age/warranty status; 2019 build should be solid but verify with inspector.
  • Review HOA documents—verify $50/mo covers what, any pending assessments.
  • Request 4-point inspection if lender requires it; standard on homes this age.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,662/mo
Property tax (1.1% eff., St. Johns Co.)$470/mo
Homeowners insurance (est.)$299/mo
HOA$50/mo
All-in monthly (est.)$3,481/mo

Loan $410,400 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of CENTURY 21 INTEGRA. Data via realMLS (Northeast Florida MLS), updated Sep 2, 2026, 12:56 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.