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Active

Active·48 days on market

5566 Don Manuel Road

Elkton, FL 32033

$1,399,000$423/sqftEst. $7,111/moMLS# 2148051

Beds

Baths

3,305

Sq Ft

1999

Built

Garage

Yes

Pool

About this home

Elkton

Nestled among majestic oak and magnolia trees on 7 private acres bordered by scenic Solano Creek, you'll find this exceptional country estate offering a rare combination of luxury, privacy, and versatility. Zoned Open Rural with no HOA, the property welcomes horses, livestock, and outdoor enthusiasts alike while simultaneously providing convenient access to I-95, St. Augustine, Palatka, and the St. Johns County Fairgrounds. Inside this stunning residence, thoughtfully designed living spaces are enhanced by elegant tray ceilings, oversized windows that fill the home with natural light, and quality finishes throughout. The heart of the home is the well-appointed kitchen, showcasing granite countertops, stainless steel appliances, a touchless faucet, double pantry, wall oven, and elegant under and above cabinet lighting. The adjoining family room impresses with soaring vaulted ceilings, skylights, and a striking brick accent wall anchored by a Vermont Castings wood-burning stove. The

Cost to own

Mortgage calculator

Home Price

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$7,111

Principal & Interest: $7,111

Est. Taxes & Insurance: $1,778

Estimated Total Monthly

$8,889

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$7,111

Property taxesest. at asking price, St. Johns County$1,862

Estimated total, before insurance$8,973/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	$974,568	$696,532	—
2025	$117,645	$25,000	—
2024	$1,021,878	$676,194	—
2024	$118,070	$25,000	▼ $157
2023	$942,394	$655,043	—
2023	$120,618	$25,000	—
2022	$807,725	$569,057	—
2022	$111,714	$25,000	—
2021	$601,026	$551,026	—
2021	$91,326	$25,000	▲ $14,617
2020	$627,042	$309,599	—
2020	$74,197	$25,000	—

2025 property taxes (current owner): $9,877/yr

Estimated taxes if purchased at asking price: ~$22,300/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 — year not disclosed (home built 1999)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · 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).

Solar potential: ~1,677 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 home

As 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

Jun 1, 2026Listed$1,399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,399,000

Price / Sq Ft$423

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,305

Acres6.30 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

StatusActive

# of Garages5

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Community Information

Address5566 Don Manuel Road, Elkton, FL 32033

Area343-Molasses Junction/Elkton

SubdivisionMetes & Bounds

CityElkton

CountySt. Johns

StateFL

Zip Code32033

Lot Size274,428 sq ft

Parcel Number0329630000

Amenities

UtilitiesCable Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Detached, Garage, Garage Door Opener, RV Access/Parking

ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, In-Law Floorplan, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air, Split System

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

SecuritySecurity System Owned