This home is in Cypress Lakes, Elkton — a golf course home in St. Johns County.
$435,0003 bd · 2 ba · 2,096 sq ft
Active·47 days on market·Cypress Lakes
4620 Onion Creek Court
Elkton, FL 32033
11 more homes for sale in Cypress Lakes →Search Cypress Lakes on the map
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About this home
Cypress Lakes
Welcome to 4620 Onion Creek Court, a beautifully upgraded 3-bedroom, 2-bathroom home offering approximately 2,100 square feet of comfortable living space in a peaceful Elkton setting. Ideally positioned on a large lot at the end of a quiet cul-de-sac, this home combines privacy, spacious living, and beautiful golf course views. Inside, you'll find a thoughtfully designed floor plan with generous living areas and numerous upgrades throughout, including new plumbing. The spacious kitchen and living areas provide an inviting setting for everyday living and entertaining, while the three well-appointed bedrooms offer plenty of room for family and guests. One of the standout features is the impressive additional screened room by Lifetime Enclosures, creating an exceptional outdoor living space where you can relax, entertain, and enjoy the tranquil surroundings and golf course views without sacrificing comfort.The oversized lot provides plenty of room to enjoy the outdoors
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.
- • 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
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 — year not disclosed (home built 1994)
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: ~1,769 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Closest beach parking
A Street ramp and lotsabout 7 mi · 45 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trailabout 2 mi · 18.6 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 4 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 5 mi · Moultrie Creek
Closest youth league fields
Treaty Parkabout 2 mi · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 3 mi · 250 Plaza Blvd, Saint Augustine
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $313,678 | $148,208 | — |
2025 property taxes (current owner): $2,430/yr
Estimated taxes if purchased at asking price: ~$6,800/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Nov 11, 2026Price change$435,000−$15,000
- Oct 9, 2026Price change$450,000−$20,000
- Sep 27, 2026Listed$470,000
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 $188/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4728 Innisbrook Court N, Elkton, FL 32033Listed by OCEAN REALTY & PROPERTY MANAGEMENT INC | Jun 2026 | $375,000 | $179 | 3/2 | 2,098 | 8 | 0.2 |
| 5520 Cypress Links Boulevard, Elkton, FL 32033Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $435,000 | $200 | 3/2 | 2,177 | 1 | 0.3 |
| 4632 Peele Street, Elkton, FL 32033Listed by RE/MAX SPECIALISTS | Aug 2026 | $399,900 | $214 | 4/2 | 1,868 | 8 | 0.3 |
| 5472 Cypress Links Boulevard, Elkton, FL 32033Listed by FIV REALTY CO FLORIDA LLC | Jul 2026 | $330,000 | $165 | 4/2 | 2,006 | 35 | 0.5 |
| 5469 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Mar 2026 | $440,000 | $178 | 5/3 | 2,478 | 8 | 0.5 |
| 170 Patriot Lane, Elkton, FL 32033Listed by ENTERA REALTY LLC | Oct 2026 | $389,900 | $188 | 4/2 | 2,070 | 14 | 0.8 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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 →Keep looking
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines