Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Elkton — a home near Pedro Menendez High School.

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Active

Active·59 days on market

5526 Don Manuel Road

Elkton, FL 32033

$599,900$324/sqftEst. $3,094/moMLS# 2149662

Beds

Baths

1,852

Sq Ft

2005

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,094

Principal & Interest: $3,094

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,292

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.69% · 30yr$3,094

Property taxesest. at asking price, St. Johns County$798

Estimated total, before insurance$3,892/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,566/yr · $297/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, 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	$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: ~$9,600/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: 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.

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

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.

Features

Price$599,900

Price / Sq Ft$324

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,852

Total Structure Area2,531 sq ft

Acres1.87 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementarySouth Woods

MiddleGamble Rogers

HighPedro Menendez

Community Information

Address5526 Don Manuel Road, Elkton, FL 32033

Area343-Molasses Junction/Elkton

SubdivisionMetes & Bounds

CityElkton

CountySt. Johns

StateFL

Zip Code32033

Lot Size81,457.2 sq ft

Lot Dimensions659x121

Parcel Number0329650100

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingCircular Driveway, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LaundryLower Level

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)