David Ramirez
$769,000$820,0003 bd1 ba1,184 sqft$649 /sqft$5,059 /mo all-in ↓

1711 COUNTY ROAD 13 S, ELKTON, FL, 32033

Active367 days on marketListed Jul 23, 2025MLS #FC311378

Reduced $51KWaterfrontSingle Family ResidenceRACEY ACRES

About this home

1711 COUNTY ROAD 13 S

Mid-century charm meets riverfront serenity at this one-of-a-kind property on the St. Johns River. Set on 1.16 acres with land on both sides of County Road 13, this turnkey property is currently used as an executive retreat, the home is being offered fully furnished with curated designer mid-century pieces and is already listed across multiple short-term rental platforms, making it immediately income-producing. Whether envisioned as a personal vacation getaway or a savvy investment with short-term rental potential when not being used for personal use, this exceptional property delivers both lifestyle and return. Inside, you’ll find a vibrant blend of artful design and thoughtful updates. The 3-bedroom, 1-bath layout includes two Murphy beds—one in a bedroom/office hybrid space that opens to the living area—and brand-new tile floors, subflooring, baseboards, and windows throughout. Sunlight pours into the living room, framing spectacular river views that stretch out before you like a painting. The kitchen is as stylish as it is functional, with sleek quartz countertops, a colorful backsplash, garden sink, and abundant cabinetry. Outside, the details shine: paver walkways lead through lush gardens to three distinct courtyards, a brand-new pergola, and a beautifully finished patio. Sip morning coffee surrounded by nature, then stroll down to your private boathouse and dock with electricity and a boat lift. A 3-car garage with new doors, a carport for RV parking with plug-in, a new septic system, water softener with aerator, and even a chicken coop—this home offers a lifestyle as flexible as it is serene. With 2,430 total square feet including finished outdoor and garage spaces, there's room to stretch out or host in style. New Metal Roof in 2020, and recently upgraded electrical in 2024. Whether you utilize it as a short-term rental or keep it all to yourself, this property is a rare riverfront gem, blending vintage soul with modern comfort.

Facts & features

The home at a glance

3

Bedrooms

1

Bathrooms

1,184

Sqft

1.16 ac

Lot size

3

Garage

1954

Year built

One

Levels

$649

Per sqft

WaterfrontWater view

Inside

FlooringTile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorPrimary Bedroom Main Floor · Solid Surface Counters · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionMetal Siding
FoundationSlab
ViewWater
FacesSouth
ExteriorCourtyard

Community & fees

Taxes (2024)$5,532/yr

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,059 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,149
PMI (est., until 20% equity)$288
Property tax — 2024 actual bill$461
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $76,900
Interest rate6.00%
Loan term

Estimated payment

$5,059/mo

Principal & interest$4,149
PMI (est., until 20% equity)$288
Property taxes (actual bill)$461
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Elkton

Map of 1711 COUNTY ROAD 13 S

Get to know Elkton. See the full Elkton guide →

ELKTON 32033 — neighborhood snapshot

Population

4,555

Median age

61.3

Median income

$83,901

Median home value

$278,700

Avg household

2.17

Households w/ children

131

For the school run

St. Johns County School District

ElementaryOtis A. Mason Elementary School★★★★
HighPedro Menendez High School★★★★★
MiddleGamble Rogers Middle School★★★★★
Mky- Head Start /Dpp Pk School
HighFirst Coast Technical College

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Elkton market

Seller’s marketLeans buyer12.0 months of inventoryBuyer’s market

$375K$450K

Elkton median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

Median sold price, Elkton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 18% above the ELKTON 32033 median. See the full Elkton market guide →

Paper trail

This home's history

CurrentPrice reduced to $769,000 $51K
Jul 23, 2025Listed at $820,000 · 367 days on market since
1954Built · RACEY ACRES

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1711 COUNTY ROAD 13 S — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1711 COUNTY ROAD 13 S — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

1711 COUNTY ROAD 13 S FAQs

What would the monthly payment be for 1711 COUNTY ROAD 13 S?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,059/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 1711 COUNTY ROAD 13 S?+

The most recent tax bill on record (2024) was $5,532. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Elkton?+

At $769,000, this home is listed about 18% above the Elkton median of $652,250. The market section on this page shows how the area is trending.

Which schools are assigned to 1711 COUNTY ROAD 13 S?+

Otis A. Mason Elementary School (elementary), Pedro Menendez High School (high), Gamble Rogers Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$769,000 runs 18% above the ELKTON 32033 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

367 days on market against a Elkton median of 6 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Otis A. Mason Elementary School, Pedro Menendez High School, Gamble Rogers Middle School, Mky- Head Start /Dpp Pk School, First Coast Technical College — Otis A. Mason Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $820,000, now $769,000 — a $51K cut. The full history is in the market section below.

Listing courtesy of GREAT EXPECTATIONS REALTY · Jena Dennis. MLS #FC311378.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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