This home is in Elkton.
Active·3 days on market
5000 Railroad Avenue
Elkton, FL 32033
About this home
Elkton
Welcome to this charming and well-maintained 2-bedroom, 1-bath concrete block home in Elkton! Offering 702 square feet of comfortable living space on a spacious 0.18-acre lot, this home is clean, cared for, and ready for its next owner. The kitchen features updated kitchen cabinets, while the durable metal roof was installed in 2015. Concrete block construction adds lasting value and low-maintenance appeal. Enjoy your morning coffee or unwind in the small screened porch. Outdoor enthusiasts will love the location, with the Palatka-to-St. Augustine State Trail right next door, offering convenient access to walking, biking, and enjoying the outdoors. With its manageable size, solid construction, thoughtful updates, and excellent location, this property is an excellent opportunity for a first-time homebuyer, downsizer, or investor. Don't miss the chance to make this affordable home your own!
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $42,936 | $0 | — |
| 2025 | $100,392 | $100,392 | — |
| 2024 | $41,526 | $0 | — |
| 2024 | $100,784 | $92,457 | — |
| 2023 | $42,614 | $0 | — |
| 2023 | $103,065 | $84,052 | — |
| 2022 | $36,941 | $0 | — |
| 2022 | $95,658 | $76,411 | — |
| 2021 | $28,633 | $0 | — |
| 2021 | $77,878 | $69,465 | ▲ $12,866 |
| 2020 | $29,006 | $0 | — |
| 2020 | $63,150 | $63,150 | — |
2025 property taxes (current owner): $334/yr
Estimated taxes if purchased at asking price: ~$2,200/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — 2015 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,129 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of September 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 1, 2026Listed$135,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: US REALTY HUB
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Metes & Bounds
Active$135,000MLS# 2160833Est. $719/mo102 Goldenrod Lane, Palatka, FL 321773 Beds2 Baths1,680 sqftOpportunity awaits on 2.14 combined acres in a quiet Palatka setting! This 1984 Fleetwood mobile home sits on a…
ResidentialDUCK REALTY INC
Active$134,900MLS# 2162549Est. $718/mo204 Riviera Drive, Crescent City, FL 321122 Beds1 Baths648 sqftWelcome to this well-maintained property situated on 0.72 acres along a gravel road! Proudly owned by only the second…
ResidentialCOLDWELL BANKER BEN BATES INC
Pending$133,000MLS# 2134347Est. $708/mo10507 Prospect Avenue, Hampton, FL 320442 Beds1 Baths1,080 sqftCharming home on a secluded lot. This 2 bed/1 bath boasts Old World Charm with original tongue & groove throughout.…
ResidentialTHORNTON & CO REALTY INC
Active$139,000MLS# 2147640Est. $740/mo101 Hummingbird Trail, Crescent City, FL 321123 Beds2 Baths1,528 sqftWelcome to this well maintained 3 bed 2 bath single wide mobile home. Inside you will find comfort and cozy nestled all…
ResidentialST JOHNS REALTY AND MANAGEMENT LLC
Explore the area
More in Southern St. Johns County
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines