$524,900
120 CROWN WHEEL Circle, Fruit Cove, FL 32259, Fruit Cove, FL 32259
Mill Creek Landing
- Price
- $524,900
- Beds / Baths
- 3 / 3
- Living area
- 3,042 sqft
- Year built
- 2008
- Type
- Residential
- Lot
- 0.22 ac
- Garage
- 3
- HOA
- $60/mo
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 46
$173/sqft asking, vs a $221/sqft median across 2,395 closed sales in 32259 over the last 12 months — 22% below the area's closed prices. Freddie Mac First Look Initiative eligibility typically indicates the property is bank-owned or distressed; ask the listing agent why pricing is 21.9% below comparable recent sales.
Exciting opportunity in Mill Creek Landing subdivision. Two story, lakefront home, with screen patio facing the lake. This property features a fenced rear yard, breakfast bar, study, and plantation shutters. This property is eligible under the Freddie Mac First Look Initiative through 8/16/2026.
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate for lakefront property.
- Pull 4-point inspection report—home is 18 years old, insurer may require wind mitigation review.
- Confirm roof age; at 18 years, replacement timeline and insurer acceptance critical in Florida.
- Review Mill Creek Landing HOA bylaws, deed restrictions, and any pending special assessments.
- Inspect screen patio structural integrity and verify seals against moisture/salt exposure.
- Check homeowners insurance quote before offer; waterfront + age often spike premiums.
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
Loan $419,920 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 DUVAL REALTY OF JAX. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 7:28 PM.
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