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 Cypress Lakes, Elkton — a golf course home in St. Johns County.

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Active

Active·46 days on market·Cypress Lakes

5017 Cypress Links Boulevard

Elkton, FL 32033

$355,000$193/sqftEst. $1,943/moMLS# 2161208

↓ $10,000 below original list

Beds

Baths

1,844

Sq Ft

2006

Built

Garage

Pool

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

FEMA Zone XHOA $35/mo8,276 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Cypress Lakes

Welcome home to this cute and charming 3-bedroom, 2-bath brick home offering a bright, open feel and comfortable layout. Cathedral ceilings and half walls connecting the living, dining, and kitchen areas allow natural light to flow throughout the main living spaces while keeping each area defined. The spacious kitchen features an island and breakfast bar with plenty of room for cooking, gathering, and entertaining. The primary suite offers generous space and a walk-in closet for added storage. Out back, relax or entertain on the patio overlooking a peaceful wooded preserve, providing a private natural backdrop with no immediate rear neighbors. A welcoming home with a functional layout, great entertaining space, and a beautiful preserve view!

Next steps in Cypress Lakes

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$1,943

Property taxesest. at asking price, St. Johns County$472

HOAbilled annually$35

Estimated total, before insurance$2,451/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 7.28%

Loan Term

Monthly Payment

$1,943

Principal & Interest: $1,943

Property taxes (est.): $472

Insurance (est.): $237

Estimated Total Monthly

$2,652

*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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 2006)

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: ~1,758 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

Sep 23, 2026Price change$355,000−$10,000
Aug 21, 2026Listed$365,000

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

Features

Price$355,000

Price / Sq Ft$193

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,844

Acres0.19 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address5017 Cypress Links Boulevard, Elkton, FL 32033

Area341-Flagler Estates/Hastings

SubdivisionCypress Lakes

CityElkton

CountySt. Johns

StateFL

Zip Code32033

Lot Size8,276.4 sq ft

Parcel Number1373670780

Amenities

AmenitiesPool, Clubhouse, Golf Course, Playground

UtilitiesElectricity Connected, Sewer Available, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchPatio

FencingWrought Iron

RoofShingle

ConstructionBrick, Stucco

Road SurfacePaved

Additional Information

Date ListedAugust 21, 2026

Days on Market33

HOA Fees$425 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

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.

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