This home is in Cypress Lakes, Elkton.
Active·1 day on market·Cypress Lakes
4624 Onion Creek Court
Elkton, FL 32033
8 more homes for sale in Cypress Lakes →Search Cypress Lakes on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Cypress Lakes
Beautifully Updated Golf Course Home on Nearly Half an Acre in Cypress Lakes - No HOA Fees! Welcome to 4624 Onion Creek Court nestled on an expansive, nearly half-acre homesite overlooking the 16th hole of the St. Johns County Golf Course. Located in the desirable Cypress Lakes community with no HOA fees, this beautifully updated four-bedroom, two-bathroom home offers an outstanding combination of refined finishes, generous outdoor space, and relaxed Florida living.Offering 1,708 square feet of thoughtfully designed living space, the home welcomes you with an inviting, light-filled interior featuring luxury vinyl plank flooring, a elegant flush mounted fireplace, and expansive windows that frame the lush yard and course surroundings. The open living areas create an effortless flow for both everyday comfort and entertaining.
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,768 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
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
2025 property taxes (current owner): $3,355/yr
Estimated taxes if purchased at asking price: ~$7,200/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, NEFMLS.
History
Price & status history
- Oct 23, 2026Listed$450,000
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 $200/sq ft; this home is listed at $263/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4632 Peele Street, Elkton, FL 32033Listed by RE/MAX SPECIALISTS | Aug 2026 | $399,900 | $214 | 4/2 | 1,868 | 8 | 0.2 |
| 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 |
| 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 |
| 4952 Cypress Links Boulevard, Elkton, FL 32033Listed by RE/MAX SPECIALISTS | Dec 2025 | $334,900 | $210 | 3/2 | 1,591 | 194 | 0.7 |
| 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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
More homes in Cypress Lakes
For Sale4620 Onion Creek CourtElkton, FL 32033
3 bd · 2 ba · 2,096 sq ft
$450,000Est. $2,395/moWelcome to 4620 Onion Creek Court, a beautifully upgraded 3-bedroom, 2-bathroom home offering approximately 2,100…
Listing Office: watson realty corp
For Sale4105 Palmetto Bay DriveElkton, FL 32033
4 bd · 2 ba · 2,322 sq ft
$455,000Est. $2,422/moBEAUTIFUL, SPACIOUS 4BR/2BA WITH SPARKLING SALT WATER POOL IN CYPRESS LAKES. Enjoy a spectacular backyard setting,…
Listing Office: watson realty corp
For Sale5312 Cypress Links BoulevardElkton, FL 32033
5 bd · 2.5 ba · 2,897 sq ft
$495,500Est. $2,637/moWelcome to 5312 Cypress Links Blvd, a beautifully updated 5-bedroom, 2.5-bathroom home located in a desirable golf…
Listing Office: realty exchange llc
For Sale5118 Cypress Links BoulevardElkton, FL 32033
3 bd · 2 ba · 2,219 sq ft
$399,900Est. $2,128/moEnjoy beautiful water and golf course views from this spacious 3-bedroom, 2-bath home with a dedicated office in…
Listing Office: premier homes realty inc
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines