This home is in Elkton — a home near Pedro Menendez High School.
$539,9003 bd · 2 ba · 1,852 sq ft
Active·156 days on market
5526 Don Manuel Road
Elkton, FL 32033
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Elkton
Nestled on a peaceful 1.87-acre wooded homesite, this exceptional custom-built 3-bedroom, 2-bath home offers the perfect blend of country living and modern convenience. With 1,852 square feet of living space, you'll appreciate the functional floor plan, soaring vaulted ceilings, and spacious living areas designed for comfortable everyday living. All within 30 minutes of historic downtown St. Augustine and Florida's beautiful Atlantic beaches! The home showcases quality craftsmanship throughout, featuring concrete siding, solid wood cabinetry, travertine and marble flooring, and a custom fireplace with an antique mantel imported from England. Numerous recent improvements include all new interior paint, updated lighting and ceiling fans, new stainless steel appliances, water heater, washer and dryer. Major exterior upgrades include a new metal roof and paver driveway installed in 2024.
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 X — minimal flood hazard (the whole 1.8-acre lot)
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: Metal — year not disclosed (home built 2005)
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: ~1,567 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Frank Butler Park Eastabout 13 mi · 84 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 4 mi · 18.6 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 3 mi · St. Johns River - Deep Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 10 mi · Moultrie Creek
Closest youth league fields
Treaty Parkabout 8 mi · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 8 mi · 250 Plaza Blvd, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $408,014 | $234,857 | — |
| 2025 | $391,287 | $228,020 | — |
| 2024 | $417,776 | $220,886 | — |
| 2023 | $374,390 | $212,996 | — |
| 2022 | $355,291 | $205,336 | — |
| 2021 | $247,899 | $197,899 | — |
| 2020 | $244,536 | $196,643 | — |
2025 property taxes (current owner): $3,566/yr
Estimated taxes if purchased at asking price: ~$8,500/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Nov 4, 2026Price change$539,900−$35,000
- Sep 22, 2026Price change$574,900−$25,000
- Aug 3, 2026Price change$599,900−$35,100
- Jun 9, 2026Listed$635,000
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 $151/sq ft; this home is listed at $292/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5146 Clymer Road, Elkton, FL 32033Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $140,000 | $104 | 3/2 | 1,344 | 2 | 0.9 |
| 6101 Armstrong Road, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2025 | $630,000 | $276 | 4/2 | 2,280 | 79 | 1 |
| 6357 Armstrong Road, Elkton, FL 32033Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $190,000 | $112 | 4/2 | 1,704 | 258 | 1.5 |
| 6270 Brough Road, Elkton, FL 32033Listed by WATSON REALTY CORP | Aug 2025 | $345,000 | $151 | 4/3 | 2,280 | 7 | 1.7 |
| 7310 State Road 207, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $540,000 | $321 | 3/2 | 1,680 | 1 | 2.1 |
| 5830 Oak Street, Elkton, FL 32033Listed by MOMENTUM REALTY | Oct 2025 | $227,000 | $119 | 3/2 | 1,912 | 3 | 2.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JPAR CITY AND BEACH
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
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
Is this home priced right?
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