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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 waterfront home in St. Johns County.

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Active·1 day on market·Cypress Lakes

4467 Golf Ridge Drive

Elkton, FL 32033

$425,000$232/sqftEst. $2,336/mo mortgageMLS# 2170955
3
Beds
2
Baths
1,830
Sq Ft
2004
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $37/mo0.44 acresWaterfrontSingle Family Residence1 story

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About this home

Cypress Lakes

Welcome to 4467 Golf Ridge Drive in Elkton, Florida! This inviting 3-bedroom, 2-bath home offers the perfect combination of comfortable living, beautiful scenery, and dependable construction. Enjoy awesome lake views that create a relaxing backdrop for your everyday life, whether you're enjoying your morning coffee, unwinding after a long day, or entertaining family and friends. Built with sturdy concrete block construction, this home offers lasting durability and whole house generator for peace of mind. With three bedrooms and two full bathrooms, there is plenty of flexibility for a growing household, guests, or a home office. Conveniently located near historic St. Augustine, you'll enjoy easy access to the area's charming downtown, beautiful beaches, shopping, dining, and local attractions while appreciating the quieter surroundings of Elkton.

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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$2,336
Property taxesest. at asking price, St. Johns County$566
HOAbilled annually$37
Estimated total, before insurance$2,938/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,933/yr · $244/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

$425,000
$85,000
Loan Term
Monthly Payment
$2,336
Principal & Interest: $2,336
Property taxes (est.): $566
Insurance (est.): $283
Estimated Total Monthly
$3,184
*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: material not specified — year not disclosed (home built 2004)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,789 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 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.

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): $2,933/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 1,595 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 26, 2026Listed$425,000

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 $232/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4632 Peele Street, Elkton, FL 32033Listed by RE/MAX SPECIALISTSAug 2026$399,900$2144/21,86880.1
5520 Cypress Links Boulevard, Elkton, FL 32033Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$435,000$2003/22,17710.3
4728 Innisbrook Court N, Elkton, FL 32033Listed by OCEAN REALTY & PROPERTY MANAGEMENT INCJun 2026$375,000$1793/22,09880.4
5472 Cypress Links Boulevard, Elkton, FL 32033Listed by FIV REALTY CO FLORIDA LLCJul 2026$330,000$1654/22,006350.5
5349 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEApr 2026$450,000$2444/21,848270.8
5324 Cypress Links Boulevard, Elkton, FL 32033Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$427,500$1943/22,20270.9

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$425,000
Price / Sq Ft$232
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,830
Acres0.44 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

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

Community Information

Address4467 Golf Ridge Drive, Elkton, FL 32033
Area341-Flagler Estates/Hastings
SubdivisionCypress Lakes
CityElkton
CountySt. Johns
StateFL
Zip Code32033
Lot Size19,166.4 sq ft
Parcel Number1373680720

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne

Additional Information

Date ListedOctober 26, 2026
Days on Market1
HOA Fees$440 / Annually
HOA FrequencyAnnually
Tax Amount$2,933.25
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

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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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