$599,999
1204 CUNNINGHAM CREEK Drive, St. Johns, FL 32259, St. Johns, FL 32259
River Oaks Plantation
- Price
- $599,999
- Beds / Baths
- 4 / 3
- Living area
- 2,328 sqft
- Year built
- 1995
- Type
- Residential
- Lot
- 0.36 ac
- Garage
- 2
- HOA
- $61/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 2
Remolded Home
What to check on this one
- Confirm flood zone designation and pull elevation certificate if AE/VE zone
- Verify CDD bond payoff amount and remaining assessment years
- Request HOA docs; confirm $61/mo includes all fees and rental restrictions
- Check roof age—inspect for condition if original or near 25+ years
- Pull 4-point inspection report; verify homeowners insurance available at this age
- Confirm plumbing materials—polybutylene lines common in 1995 builds
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$3,113/mo
Property tax (1.1% eff., St. Johns Co.)$550/mo
Homeowners insurance (est.)$350/mo
HOA$61/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$4,241/mo
Loan $479,999 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 FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 3:58 PM.
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