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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Elkton — a pool home in St. Johns County.

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Sold

Sold·Closed Jul 15, 2026·117 days on market·Recent sales in Southern St. Johns County

47 Cannondale Lane

Elkton, FL 32033

$1,270,000sold priceListed at $1,325,000 · 95.8% of asking$477/sqftMLS# 2129867
3
Beds
3.5
Baths
2,665
Sq Ft
2022
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $101/mo2.93 acresSingle Family Residence1 story

About this home

Elkton

Experience refined country living in this luxury custom-built Modern Farmhouse with timeless Craftsman influences, gracefully positioned on just under three private acres in Bartram Farms. Designed with both elegance and comfort in mind, the residence showcases soaring ceilings, upgraded designer wood trim, custom cabinetry and premium luxury vinyl plank flooring throughout. At the heart of the home, the gourmet chef's kitchen impresses with LG Studio high-end appliances, an expansive island with seating, an oversized single-basin sink, Quartz countertops, subway tile backsplash and a sunlit breakfast area complemented by bar seating, ideal for casual gatherings or morning coffee. Natural light pours into the open living spaces, accentuating the striking fireplace, offering both wood-burning and gas functionality, and creating a warm yet sophisticated focal point. A private flex space with double doors off the main living area is perfectly suited for a luxury home office

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$7,035
Property taxesest. at asking price, St. Johns County$1,690
HOAbilled quarterly$101
Estimated total, before insurance$8,826/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,320/yr · $860/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,270,000
$254,000
Loan Term
Monthly Payment
$7,035
Principal & Interest: $7,035
Property taxes (est.): $1,690
Insurance (est.): $847
Estimated Total Monthly
$9,571
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,801 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

Last sold: $920,000 in October 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$857,088$729,464—
2024$836,657$658,198—
2023$755,657$637,571—
2022$131,040$96,800—
2021$96,000$88,000—
2020$80,000$80,000—

2025 property taxes (current owner): $10,320/yr

Estimated taxes if purchased at asking price: ~$20,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History

Price & status history

  • Jul 16, 2026Closed$1,325,000
  • Jul 11, 2026Pending$1,325,000
  • Feb 13, 2026Listed$1,325,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $154/sq ft; this home is listed at $497/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
740 County Road 13A S A, Elkton, FL 32033Listed by INTERNATIONAL GOLF REALTYJun 2026$305,000$1544/21,97650.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,325,000
Price / Sq Ft$497
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,665
Acres2.93 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

School Information

Community Information

Address47 Cannondale Lane, Elkton, FL 32033
Area343-Molasses Junction/Elkton
SubdivisionBartram Farms
CityElkton
CountySt. Johns
StateFL
Zip Code32033
Lot Size127,630.8 sq ft
Parcel Number0310150010
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected, Propane
SewerSeptic Tank
Water SourcePrivate, Well
Green / EnergyInsulation, Lighting
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas, Wood Burning
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesFire Pit
Patio / PorchPatio, Porch, Rear Porch, Screened
FencingFenced, Wood
RoofShingle
ConstructionBrick Veneer, Fiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 13, 2026
Days on Market117
HOA Fees$303 / Quarterly
HOA FrequencyQuarterly
Tax Amount$10,320.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: STA REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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