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 pool home in St. Johns County.

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Active

Active·1 day on market

209 E New England Drive

Elkton, FL 32033

$550,000$269/sqftEst. $2,825/moMLS# 2161130

Beds

Baths

2,044

Sq Ft

2014

Built

Garage

Yes

Pool

About this home

Elkton

Welcome to a truly exceptional home where thoughtful design, high-end finishes, and resort-style outdoor living come together to create something special. This beautifully updated 4-bedroom, 2.5 bath residence has been transformed with a level of craftsmanship and attention to detail rarely found at this price point. No detail was overlooked, and the extensive upgrades throughout the home are immediately apparent. The main living space makes a statement with a dramatic custom feature wall combining rich stone accents, shiplap detailing, and a 56'' linear biofuel fireplace. Designed to be the focal point of the room, the feature wall accommodates up to an 80'' television, creating an impressive setting for both everyday relaxation and entertaining.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,825

Principal & Interest: $2,825

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,923

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,825

Property taxesest. at asking price, St. Johns County$732

HOAbilled annually$31

Estimated total, before insurance$3,588/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,017/yr · $251/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

2025 property taxes (current owner): $3,017/yr

Estimated taxes if purchased at asking price: ~$8,800/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, 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: Shingle — year not disclosed (home built 2014)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,746 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 August 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 22, 2026Active$550,000
Aug 20, 2026Listed$550,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$550,000

Price / Sq Ft$269

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,044

Acres0.24 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Waterfall

Is WaterfrontNo

Community Information

Address209 E New England Drive, Elkton, FL 32033

Area341-Flagler Estates/Hastings

SubdivisionCountry Walk

CityElkton

CountySt. Johns

StateFL

Zip Code32033

Lot Size10,454.4 sq ft

Parcel Number1374720190

Amenities

AmenitiesPark, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Outside

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned