This home is in Elkton — a home near Pedro Menendez High School.
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Sold·Closed Apr 9, 2026·5 days on market·Recent sales in Southern St. Johns County
5821 Oak Street
Elkton, FL 32033
About this home
Elkton
Tucked away on a quiet residential street in charming Elkton, this beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of privacy and convenience. Built in 2020, this 1,206-square-foot residence delivers modern comfort in a peaceful setting that feels miles away from the hustle--yet is just a short drive to shopping, dining, and easy access to I-95. Situated on a spacious double lot, the property provides extra room to spread out, garden, store recreational toys, or simply enjoy the added privacy. Inside, the thoughtfully designed split floorplan creates separation between the primary suite and guest bedrooms, offering both comfort and functionality for families, guests, or a home office setup. The interior features solid surface flooring throughout for a clean, cohesive look and easy maintenance.
Next steps in Southern St. Johns County
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,675 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $325,998 | $325,998 | — |
| 2024 | $313,398 | $308,083 | — |
| 2023 | $301,754 | $269,490 | — |
| 2022 | $275,365 | $244,991 | — |
| 2021 | $222,719 | $222,719 | — |
| 2020 | $19,474 | $19,474 | — |
2025 property taxes (current owner): $4,725/yr
Estimated taxes if purchased at asking price: ~$5,500/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.
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 $239/sq ft; this home is listed at $294/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4245 New Hampshire Road, Elkton, FL 32033Listed by MARGANON REAL ESTATE FIRM | Aug 2025 | $255,000 | $239 | 3/2 | 1,069 | 62 | 2.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ST AUGUSTINE 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 9, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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