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Active

Active·56 days on market

1720 County Road 13 S

Elkton, FL 32033

$699,000$311/sqftEst. $3,720/moMLS# 2141937

Beds

Baths

2,246

Sq Ft

1999

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,531

Principal & Interest: $3,531

Est. Taxes & Insurance: $883

Estimated Total Monthly

$4,414

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$3,720

Property taxesest. at asking price, St. Johns County$930

Estimated total, before insurance$4,651/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$11,200/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 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

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.

Features

Price$699,000

Price / Sq Ft$311

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,246

Acres1.25 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Pool Cover, Pool Sweep, Screen Enclosure

Is WaterfrontYes

Direction FacesSouth

Community Information

Address1720 County Road 13 S, Elkton, FL 32033

Area343-Molasses Junction/Elkton

SubdivisionMetes & Bounds

CityElkton

CountySt. Johns

StateFL

Zip Code32033

Lot Size54,450 sq ft

Parcel Number0229900000

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

ViewRiver

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Solar Tube(s), Split Bedrooms

AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity Lights