This home is in Elkton — a waterfront home in St. Johns County.
Active·142 days on market
3663 Smarty Jones Lane
Elkton, FL 32033
About this home
Elkton
Build your dream home on 7+ acres in St. Johns County, tucked away in a quiet cul-de-sac within the highly sought-after Bartram Farms community and nestled along stunning McCullough Creek. This homesite is cleared and ready to build, offering a rare opportunity to bring your vision to life. Surrounded by natural beauty, it provides a peaceful, private setting ideal for your custom retreat. Located in one of Northeast Florida's most desirable counties, known for its top-rated schools, this property offers the perfect blend of space and convenience. Enjoy an equestrian-friendly neighborhood just 10-15 minutes from World Golf Village for shopping and dining, with easy access to the St. Johns River via Mandarin Park's public boat ramp. Convenient to I-95 with a quick commute to Jacksonville and St. Augustine.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $343,000 | $212,294 | — |
| 2024 | $286,000 | $192,995 | — |
| 2023 | $234,000 | $175,450 | — |
| 2022 | $197,120 | $159,500 | — |
| 2021 | $145,000 | $145,000 | — |
| 2020 | $135,000 | $135,000 | — |
2025 property taxes (current owner): $3,679/yr
Estimated taxes if purchased at asking price: ~$7,800/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.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,753 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 homeAs 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.
History
Price & status history
- Apr 1, 2026Listed$489,999
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines