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 golf course home in St. Johns County.

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5843 Cypress Estates Drive

Elkton, FL 32033

$630,000$191/sqftEst. $3,239/moMLS# 2163044

Beds

Baths

3,300

Sq Ft

2008

Built

Garage

Pool

About this home

Elkton

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

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,239

Principal & Interest: $3,239

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,497

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,239

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$35

Estimated total, before insurance$4,113/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$10,100/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 — 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.

History

Price & status history

Sep 2, 2026Listed$630,000

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

Features

Price$630,000

Price / Sq Ft$191

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,300

Acres1.00 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryOtis A. Mason

MiddleGamble Rogers

HighPedro Menendez

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)