For sale · listed Oct 21, 2026
$455,000
4 bd2 ba2,322 sq ft
4105 PALMETTO BAY Drive, Elkton, FL 32033
Pool home on a lake in Elkton
Est. $2,965/mo · See the estimate
Listing courtesy of WATSON REALTY CORP
Overview
- Home typeHouse
- Full baths2
- Year built2005
- Lot0.21 acres
- Price per sq ft$196
- HOA$425 (annually)
- Garage2 spaces
- PoolPrivate pool
- Days on market1
- SubdivisionCypress Lakes
- MLS #2170323
On the water
The listing says this home is on a lake. Its water is not mapped yet: Deedlio's water map covers the Clay County area for now, so there is no water body name or boat access to show. See "Pool, water & view" below for what the listing says.
What's special
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! Don't let the Elkton mailing address fool you! This property enjoys a desirable St Augustine area location, just 24 minutes to historic downtown St Augustine with it's world class restaurants, unique shops, vibrant entertainment and the charm of the oldest city in the United States! Only 30 minutes to world class entertainment at St Augustine Amphitheater, ranked #1 in the US & #2 in the world!
Facts & features
Interior
- Accessibility Features
- No
- Appliances
- Dryer, Dishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
- Fireplace
- Yes
- Fireplace Features
- Gas
- Fireplaces Total
- 1
- Flooring
- Luxury Vinyl
- In-law suite (accessory dwelling unit)
- No
- Interior Features
- Eat-in Kitchen, Kitchen Island, Walk-In Closet(s)
- Laundry Features
- In Unit
- Levels
- One
- Room Types
- Bathroom 2, Bathroom 3, Bedroom 2, Bedroom 3, Bedroom 4, Bedroom 5, Great Room, Kitchen, Laundry, Primary Bathroom, Primary Bedroom, Utility Room
- Window Features
- Skylight(s)
Pool, water & view
- Pool Features
- Salt Water
- Pool Private
- Yes
- View
- Golf Course, Lake, Water
- Waterfront Features
- Lake Front
Exterior & lot
- Architectural Style
- Ranch, Traditional
- Construction Materials
- Frame, Stucco
- Fencing
- Back Yard
- Lot (sq ft)
- 9,147.6
- Lot Features
- Sprinklers In Front, Sprinklers In Rear
- Patio And Porch Features
- Front Porch, Porch, Screened
- Roof
- Shingle
- Stories
- 1
- Zoning
- PUD
Parking
- Attached Garage
- Yes
- Carport
- No
- Garage
- Yes
- Parking Features
- Attached, Garage
Heating, cooling & utilities
- Cooling
- Central Air, Electric
- Heating
- Central, Electric
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Connected, Sewer Connected, Water Connected
- Water source
- Public
Schools
- Elementary School
- Otis A. Mason
- High School
- Pedro Menendez
- Middle Or Junior School
- Gamble Rogers
Community & HOA
- Association Amenities
- Clubhouse, Golf Course, Maintenance Grounds
- Association Fee Includes
- Maintenance Grounds
- Association Name
- Cypress Lakes
- CDD fee
- No
- Homestead
- Yes
Taxes & financing
- Tax year
- 2025
- Yearly property tax
- $4,918
Other
- Current Use
- Residential
- Possession
- Close Of Escrow
- Property Attached
- No
- Property Condition
- Updated/Remodeled
Location
Monthly payment estimate
$2,965 per month
Estimate only, not a loan offer. The rate is this week's U.S. average for a 30-year fixed loan (Freddie Mac PMMS, week of 2026-10-15). Your rate, taxes, insurance and costs will differ. Talk with a licensed lender for real numbers.
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