1620 County Road 13 S, Elkton, FL 32033
About This Home — 1620 County Road 13 S
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!
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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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, 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.
Taxes & Assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $265,092 | $265,092 | — |
| 2025 | $127,583 | $127,583 | — |
2025 property taxes (current owner): $3,904/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 1,859 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.
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
Price & Status History
- Jul 7, 2026Listed$399,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Listing Courtesy of: UNITED REAL ESTATE GALLERY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines