This home is in Cypress Lakes, Elkton — a golf course home in St. Johns County.
Active·4 days on market·Cypress Lakes
4105 Palmetto Bay Drive
Elkton, FL 32033
8 more homes for sale in Cypress Lakes →Search Cypress Lakes on the map
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About this home
Cypress Lakes
BEAUTIFUL, SPACIOUS 4BR/2BA WITH SPARKLING SALT WATER POOL IN CYPRESS LAKES. Enjoy a spectacular backyard setting, fully fenced & overlooking a picturesque lake that backs to a scenic golf course. That's just the backyard! Step inside through 2 sets of sliders to a huge kitchen with granite counters, lots of cabinets with pull out drawers & combo dining room that overlooks family room. A half wall provides a graceful transition to the formal living room & den/office. A 2nd half wall provides a subtle separation between the family room & 4 bedroom wing. A winning feature of this home is the 20x16 owner suite with beautiful bay windows with breathtaking views of the pool, backed by the lake with golf course beyond. LVP flooring throughout! Community amenities include a welcoming clubhouse & community pool, all surrounded by St Johns Golf Club which recently had an impressive $8 million renovation! 10 min to new shopping center & only 20 min to Crescent Beach!
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: Shingle — year not disclosed (home built 2005)
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: ~1,775 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 homeAs of October 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.
Closest beach parking
Mary Street ramp and Gloria Ave lot37 min drive · 50 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trail9 min drive · 18.6 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 5 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 5 mi · Moultrie Creek
Closest youth league fields
Treaty Park14 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix11 min drive · 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
2025 property taxes (current owner): $4,918/yr
Estimated taxes if purchased at asking price: ~$7,300/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 21, 2026Listed$455,000
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 $192/sq ft; this home is listed at $196/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5013 Cypress Links Boulevard, Elkton, FL 32033Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Feb 2026 | $370,000 | $188 | 3/2 | 1,967 | 190 | 0.1 |
| 5078 Cypress Links Boulevard, Elkton, FL 32033Listed by 1 PERCENT LISTS FIRST COAST | Feb 2026 | $460,000 | $160 | 4/2.5 | 2,876 | 79 | 0.1 |
| 4956 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Dec 2025 | $385,000 | $178 | 3/2 | 2,159 | 162 | 0.2 |
| 4917 Cypress Links Boulevard, Elkton, FL 32033Listed by MARK SPAIN REAL ESTATE | Aug 2025 | $355,000 | $192 | 3/2 | 1,846 | 74 | 0.3 |
| 5324 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $427,500 | $194 | 3/2 | 2,202 | 7 | 0.4 |
| 5349 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Apr 2026 | $450,000 | $244 | 4/2 | 1,848 | 27 | 0.5 |
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
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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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines