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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Aug 4, 2026·8 days on market·Recent sales in Cypress Lakes·Cypress Lakes

4632 Peele Street

Elkton, FL 32033

$399,900sold priceListed at $399,900 · 100% of asking$214/sqftMLS# 2150253
4
Beds
2
Baths
1,868
Sq Ft
2005
Built
2
Garage
Yes
Pool

6 more homes for sale in Cypress Lakes →Search Cypress Lakes on the map

HOA $35/mo7,405 sqft lotSingle Family Residence1 story

About this home

Cypress Lakes

POOL HOME Just Listed in Cypress Lakes neighborhood!! NEW ROOF, NEW exterior paint, NEW interior paint, NEW water heater, 2023 HVAC. Home features beautiful pool area with complete screen enclosure and backs to wooded area for complete privacy. Pool is in process of being re-surfaced. Peaceful community with golf course and low hoa fees! BUYER INCENTIVE - Seller offering up to $15,000 toward buyer closing costs, prepaid expenses, and/or interest rate buy-down when using Seller's preferred lender. Incentive subject to lender approval, loan program restrictions, and terms outlined in the executed contract. Schedule your showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,215
Property taxesest. at asking price, St. Johns County$532
HOAbilled annually$35
Estimated total, before insurance$2,783/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,089/yr · $424/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,900
$79,980
Loan Term
Monthly Payment
$2,215
Principal & Interest: $2,215
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$3,014
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$283,512$283,512▼ $70,356
2024$363,128$320,297—
2023$337,234$291,179▼ $6,671
2022$311,945$264,708▼ $11,752
2021$243,378$240,644—
2020$218,767$218,767—

2025 property taxes (current owner): $5,089/yr

Estimated taxes if purchased at asking price: ~$6,400/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 4, 2026Closed$399,900

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 $194/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5520 Cypress Links Boulevard, Elkton, FL 32033Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$435,000$2003/22,17710.3
4728 Innisbrook Court N, Elkton, FL 32033Listed by OCEAN REALTY & PROPERTY MANAGEMENT INCJun 2026$375,000$1793/22,09880.4
5472 Cypress Links Boulevard, Elkton, FL 32033Listed by FIV REALTY CO FLORIDA LLCJul 2026$330,000$1654/22,006350.5
4917 Cypress Links Boulevard, Elkton, FL 32033Listed by MARK SPAIN REAL ESTATEAug 2025$355,000$1923/21,846740.8
5324 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$427,500$1943/22,20270.9
5349 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEApr 2026$450,000$2444/21,848270.9

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

Price$399,900
Price / Sq Ft$214
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,868
Acres0.17 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

School Information

Community Information

Address4632 Peele Street, Elkton, FL 32033
Area341-Flagler Estates/Hastings
SubdivisionCypress Lakes
CityElkton
CountySt. Johns
StateFL
Zip Code32033
Lot Size7,405.2 sq ft
Parcel Number1373680930

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Electric Oven, Microwave
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Patio / PorchPatio, Porch, Screened

Additional Information

Date ListedJune 12, 2026
Days on Market8
HOA Fees$425 / Annually
HOA FrequencyAnnually
Tax Amount$5,089.01
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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.

The neighborhood

About Cypress Lakes

Cypress Lakes is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32033.

View all Cypress Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 4, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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