This home is in Elkton.
Active·44 days on market
1620 County Road 13 S
Elkton, FL 32033
About this home
Elkton
NO HOA | NO CDD | Remodeled | Across from the St. Johns River! Nestled beneath a canopy of majestic oak trees, this beautifully remodeled 3-bedroom, 2-bath, two-story home sits on a private 0.77-acre lot in peaceful Elkton. Offering 1,860 sq. ft. of thoughtfully updated living space, the home features fresh interior paint, an inviting open layout, and ceiling fans throughout for year-round comfort. The remodeled kitchen is equipped with stainless steel appliances, making it ideal for everyday living and entertaining. Enjoy the tranquility of country living while being just steps from the scenic St. Johns River, providing easy access to boating, fishing, and outdoor recreation. With no HOA or CDD fees, you'll have the freedom to enjoy your property your way. Conveniently located with easy access to St. Augustine, Palm Coast, and Jacksonville, this move-in-ready home combines privacy, modern updates, and Florida charm. More Pics to come today!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $251,100 in April 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $265,092 | $265,092 | — |
| 2025 | $127,583 | $127,583 | — |
| 2024 | $261,277 | $246,211 | — |
| 2024 | $116,210 | $25,000 | — |
| 2023 | $223,828 | $223,828 | — |
| 2023 | $121,252 | $25,000 | ▲ $6,942 |
| 2022 | $208,237 | $208,237 | — |
| 2022 | $104,279 | $25,000 | — |
| 2021 | $141,718 | $52,439 | — |
| 2021 | $83,063 | $25,000 | — |
| 2020 | $142,715 | $51,025 | — |
| 2020 | $72,395 | $25,000 | — |
2025 property taxes (current owner): $3,904/yr
Estimated taxes if purchased at asking price: ~$6,300/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: Shingle — year not disclosed (home built 1986)
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).
Solar potential: ~1,673 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 homeAs 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
- Jul 27, 2026Price change$395,000−$4,000
- Jul 7, 2026Listed$399,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines