About This Home

This 4-bedroom, 2-bathroom single family at 4105 PALMETTO BAY Drive in Elkton, FL is listed for $455,000 ($196 per sqft). Built in 2005, the home offers 2,322 sqft of living space on a 0.21 acres lot.

Key Features

  • Built in 2005
  • 0.21 acre lot
  • Private pool
  • Fireplace
  • Waterfront

Property Details

1 story
2 full
2-car garage
2005

Amenities

PoolFireplaceWaterfrontViewA/C
Listing Description

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!

Monthly Cost Estimate

$2,858/mo

20% down · 6.5% · 30 years

Principal$329
Interest$1,972
Insurance$133
HOA$425

Estimates only. Actual payments may vary.

Location

4105 PALMETTO BAY Drive

Elkton, FL 32033

Cypress Lakes

Features & Amenities

Interior Features

Eat-in KitchenKitchen IslandWalk-In Closet(s)

Property Details

Construction

Frame Stucco

Views

Golf CourseLakeWater

Pool Features

Pool

Outdoor Features

Porch

Parking

Garage

Heating

CentralElectric (Heating)

Cooling

Central AirElectric

Appliances

DishwasherDryerElectric RangeElectric Water HeaterMicrowaveRefrigeratorWasher

Questions & Answers

This 4-bedroom, 2-bathroom single family at 4105 PALMETTO BAY Drive is listed at $455,000 ($196/sqft). The estimated monthly payment is $2,859 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $425/month.

Key features include: Built in 2005, 0.21 acre lot, Private pool, Fireplace, Waterfront. Interior Features: Eat-in Kitchen, Kitchen Island, Walk-In Closet(s).

This property is listed by DEBBY DUENOW.

DD

DEBBY DUENOW

Agent at Watson Realty Corporation

Listed by Watson Realty Corporation · Broker phone: (904) 596-5931 · View on Broker Site · Broker website

MLS# 2170323· Source: realMLS· 11 days on PropertySimple

Copyright © 2026 realMLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

4105 PALMETTO BAY Drive, Elkton, FL 32033

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