This home is in Elkton — a home near Pedro Menendez High School.
Active·125 days on market
104 Patriot Lane
Elkton, FL 32033
About this home
Elkton
Move-in Ready home! Welcome to this beautifully maintained 3-bed, 2 bath home offering comfort and efficiency, in a prime location. Pride of ownership is evident throughout, with thoughtful updates that provide both peace of mind and long-term value. With a new A/C system, water heater, and fresh exterior paint, it gives the new homeowner confidence in the home's durability for years to come. Step outside into the beautiful outdoor living area and enjoy a spacious backyard that backs up to a serene preserve. This offers added privacy and a natural setting perfect for relaxing or entertaining. Whether it's morning coffee or evening gatherings, this outdoor space is a true highlight. Conveniently located just minutes from Interstate 95, this home provides easy access for commuting while still being close to all that St. Augustine has to offer--including shopping, dining, and the historic charm. This is a turnkey opportunity for buyers seeking a well-cared-for home in a desirable area.
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 | $264,399 | $98,618 | — |
| 2024 | $291,974 | $95,131 | — |
| 2023 | $252,539 | $90,904 | — |
| 2022 | $239,668 | $86,800 | — |
| 2021 | $165,641 | $82,816 | — |
| 2020 | $161,895 | $80,982 | — |
2025 property taxes (current owner): $1,824/yr
Estimated taxes if purchased at asking price: ~$5,400/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2013)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,751 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
- Jul 19, 2026Price change$340,000−$5,000
- Apr 20, 2026Listed$345,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA PALM VALLEY REAL ESTATE COMPANY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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