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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$2,350,000

120 RUSTIC OAKS Lane, St. Johns, FL 32259, St. Johns, FL 32259

Fruit Cove Terrace

Price
$2,350,000
Beds / Baths
5 / 5
Living area
3,878 sqft
Year built
2003
Type
Residential
Lot
1.25 ac
Garage
3
HOA
None
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
19
Elementary
Julington Creek
Middle
Fruit Cove
High school
Creekside

$606/sqft asking, vs a $221/sqft median across 2,395 closed sales in 32259 over the last 12 months — 174% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to 120 Rustic Oaks Lane - a generational estate where the days are filled with the comfort and conveniences of home and every evening is a blank canvas waiting to be painted with the most vibrant colors of sunsets over the wide waters of the St. Johns River. This two-story, stately four-sided brick home is a boater's paradise, nestled on 1.25 acres of beautifully landscaped land with 110 feet of river frontage. Through the upgraded double front doors and entry tower, you are immediately drawn outside to the pool and river, as this home was designed to maximize the views. A large entry foyer is highlighted by high ceilings, large chandelier and an enchanting curved staircase with iron spindles. The main level is the perfect place for large gatherings with the central Great Room features a two story wall of windows, custom fireplace, and custom built-ins. The gourmet kitchen has been updated to include quartzite countertops, glass tile backsplash, large cooking and eating island eat-in dining area, new stainless-steel appliances, and of course - a mesmerizing view of the pool and river from the large sink. Around the corner from the kitchen, a large flex room complete with French doors is yours to customize to your needs - a large home office, formal dining room, playroom, or a second den/media room. Adjacent powder room and a customized drop zone with loads of storage complete this wing of the main level. The opposite wing downstairs provides a main level primary suite, complete with en-suite bath, dedicated zoned temperature control and access out to the large screened lanai for more expansive river views. Up the grand staircase, you will find two spacious secondary bedrooms with shared bath and lovely views of the river and property. A wide upstairs balcony boasts sweeping views of the main level and out to the water. The large laundry room provides all the space you will need and is pre-plumbed for a future laundry sink. The main Primary Suite expands the entire wing of this upper level and is highlighted by a wall of windows and water vistas for days, bath with dual vanities, jetted garden tub, walk in shower, and large custom closet. Even more living space abounds over the 3-car garage, with a large finished room, closet, and powder room - the perfect space for a 5th bedroom, overflow guest space, music/band space, and much more. Speaking of the garage - in addition to 3 cars with one bay deep enough to store a 22 ft trailered boat, you will find loads of storage and workshop space. Stepping outside, there is something for everyone! Centrally located in the backyard is the stunning salt-water pool with paver deck - perfect for floating on warm summer day, watching the Spanish moss sway from the stately oaks. Imagine smore's nights outside at the firepit overlooking the river - just bring your Adirondack chairs! A new seawall provides peace of mind protection for the property. Ready for fun boat days?! Take a stroll out on the dock (don't forget to say hi to the manatees!) out to the covered boatlift area, where you will always have deep water access! Venture to Black Creek in 15 minutes, Doctors Lake in 20 minutes, and the deep blue water in just over an hour! An added bonus is this property is high and dry X flood zone, so no lender flood insurance required! This custom home features 2 by 6 construction, thick drywall, custom cabinetry, pre-planned and wired for central vac, and custom touches throughout with built-in bookcase, niches and upgraded millwork. Current owners have updated many of the systems of this home, including new roof, well and septic updates, new pool equipment, a whole home water treatment system with reverse osmosis and much more - please ask to see full list of updates and upgrades! Located in the desirable Fruit Cove area in St. Johns County with easy access to shopping, grocery, medical and A-rated schools, this premium waterfront paradise is waiting for you to fill its walls with your memories, one sunset at a time!

What to check on this one

  • Verify new roof installation date, materials, and warranty documentation.
  • Confirm exact flood zone designation and obtain elevation certificate for riverfront property.
  • Review pool equipment age, service history, and current maintenance contracts.
  • Inspect river bulkhead/seawall condition and any required permits or easements.
  • Verify workshop structure permits, electrical compliance, and inclusion in property tax assessment.
  • Confirm title clarity for 110 feet river frontage and any riparian rights restrictions.

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$12,194/mo
Property tax (1.1% eff., St. Johns Co.)$2,154/mo
Homeowners insurance (est.)$1,371/mo
All-in monthly (est.)$15,719/mo

Loan $1,880,000 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 KELLER WILLIAMS ST JOHNS. Data via realMLS (Northeast Florida MLS), updated Aug 16, 2026, 11:36 PM.

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.