This home is in Elkton — a pool home in St. Johns County.
Sold·Closed Aug 19, 2026·61 days on market·Recent sales in Southern St. Johns County
1720 County Road 13 S
Elkton, FL 32033
About this home
Elkton
There's something special about turning onto your own stretch of land, where the road quiets down and the St. Johns River begins to open up in front of you. As you arrive, the large circular driveway makes an immediate impression--offering plenty of space for guests and effortless parking when entertaining. Set on 1.26 acres with 100 feet of waterfront, this property offers space, privacy, and the freedom to create the lifestyle you've been wanting--high and dry with no flood concerns. Picture your weekends here... sitting on the front screened-in porch, relaxing as you take in the river views, mornings with coffee in hand, afternoons spent in the heated sport pool, and evenings watching the sky change over the water. With room to add a dock, this is a setting made for boating, relaxing, and enjoying everything waterfront living has to offer. Inside, the home welcomes you with a layout that naturally brings people together.
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.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Shingle — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $657,539 | $273,367 | — |
| 2024 | $584,160 | $264,955 | — |
| 2023 | $579,447 | $255,782 | — |
| 2022 | $427,488 | $247,557 | — |
| 2021 | $311,221 | $238,890 | — |
| 2020 | $315,244 | $234,901 | — |
2025 property taxes (current owner): $4,177/yr
Estimated taxes if purchased at asking price: ~$10,800/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.
History
Price & status history
- Aug 21, 2026Closed$699,000
- Jul 20, 2026Active Under Contract$699,000
- Jul 13, 2026Price change$699,000−$50,000
- May 20, 2026Listed$749,000
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 $191/sq ft; this home is listed at $311/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 370 Cedar Creek Road, Palatka, FL 32177Listed by WATSON REALTY CORP | Aug 2026 | $400,000 | $191 | 3/2.5 | 2,092 | 1 | 1.8 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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 Aug 19, 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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