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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie'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 Under Contract

Active Under Contract·52 days on market·Cypress Lakes

5843 Cypress Estates Drive

Elkton, FL 32033

$620,000$188/sqftEst. $3,407/mo mortgageMLS# 2163044
↓ $10,000 below original list
5
Beds
3.5
Baths
3,300
Sq Ft
2008
Built
3
Garage
No
Pool

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

FEMA Zone XHOA $35/mo1.00 acresWaterfrontSingle Family Residence2 stories

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About this home

Cypress Lakes

Welcome to 5843 Cypress Estates Drive where you don't have to choose between more house or more land, you get BOTH! Situated on a full 1-acre lot, this approximately 3,300 sq. ft., 5-bedroom, 3.5-bath home offers the space and flexibility to truly live, gather, and grow. Imagine family celebrations with everyone you love under one roof. The spacious kitchen features stainless steel appliances with double oven , and granite countertops. The upstairs bedroom features its own private full bath, creating an ideal space for guests, extended family, a private retreat, or mother-in-law suite. And then there's the backyard! With an entire acre there's plenty of room to create the outdoor space you've been dreaming about. Major updates and added peace of mind include a BRAND-NEW 2026 roof, transferable termite bond, and transferable lifetime exterior repaint coverage. If you've been saying you need more room, this may be the one you've been waiting for! Call me to schedule your showing today

Next steps in Cypress Lakes

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,407
Property taxesest. at asking price, St. Johns County$825
HOAbilled annually$35
Estimated total, before insurance$4,268/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,988/yr · $249/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$620,000
$124,000
Loan Term
Monthly Payment
$3,407
Principal & Interest: $3,407
Property taxes (est.): $825
Insurance (est.): $413
Estimated Total Monthly
$4,646
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,782 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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,988/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

History

Price & status history

  • Oct 2, 2026Active Under Contract$620,000
  • Sep 23, 2026Price change$620,000−$10,000
  • Sep 2, 2026Listed$630,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $172/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5078 Cypress Links Boulevard, Elkton, FL 32033Listed by 1 PERCENT LISTS FIRST COASTFeb 2026$460,000$1604/2.52,876790.4
4905 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2025$410,000$1304/2.53,1632860.9
5469 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEMar 2026$440,000$1785/32,47881.2
5466 Cypress Links Boulevard, Elkton, FL 32033Listed by MOMENTUM REALTYJul 2025$399,999$1644/2.52,446791.2
104 Claremont Court, Elkton, FL 32033Listed by DJ & LINDSEY REAL ESTATEJun 2026$435,000$1724/2.52,530301.8
1029 Deer Chase Drive, St. Augustine, FL 32086Listed by ALSOP PROPERTIES INCJun 2025$599,000$2404/32,49552.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$620,000
Price / Sq Ft$188
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,300
Acres1.00 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryOtis A. Mason
Reported middleGamble Rogers
Reported highPedro Menendez
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address5843 Cypress Estates Drive, Elkton, FL 32033
Area341-Flagler Estates/Hastings
SubdivisionCypress Lakes
CityElkton
CountySt. Johns
StateFL
Zip Code32033
Lot Size43,560 sq ft
Parcel Number1373700050

Amenities

AmenitiesPool, Golf Course
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories2
LevelsOne and One Half
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
RoofShingle
ConstructionFrame, Stucco
Other StructuresGazebo, Shed(s)

Additional Information

Date ListedSeptember 2, 2026
Days on Market30
HOA Fees$425 / Annually
HOA FrequencyAnnually
Tax Amount$2,988.15
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY

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.

View all Cypress Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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