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Active

Active·672 days on market

5287 Deer Island Road

Green Cove Springs, FL 32043

$589,000$284/sqftEst. $3,028/moMLS# 2053745
3
Beds
2
Baths
2,074
Sq Ft
1985
Built
—
Garage
No
Pool

About this home

Green Cove Springs

Embrace riverfront living on the scenic St. Johns River in Green Cove Springs! This delightful 3-bed, 2-bath home, built in 1985 and recently upgraded with a new roof and spacious storage shed, sits on over an acre and boasts 108 feet of private waterfront. Entertain on the expansive deck, unwind on the dockside bench at sunrise and under moonlit skies, or launch your Chris‑Craft cabin cruiser from two boathouses with dual lifts. Enjoy crabbing, fishing, swimming, watersports, and occasional manatee sightings right from your backyard. Inside, a spacious great room with a fireplace anchors three cozy bedrooms. Conveniently located near a public park and canoe/kayak launch, with quick access to Jacksonville, St. Augustine, and the new beltway. Don't miss your chance to own a slice of Florida's riverfront paradise—schedule your private tour today!

Cost to own

Mortgage calculator

$589,000
$117,800
Loan Term
Monthly Payment
$3,028
Principal & Interest: $3,028
Property taxes (est.): $903
Insurance (est.): $393
Estimated Total Monthly
$4,323
*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$3,028
Property taxesest. at asking price, Clay County$903
Estimated total, before insurance$3,931/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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$281,299$281,299—
2024$280,667$280,667—
2023$278,679$170,660—
2022$259,854$164,088—
2021$240,424$157,707—
2020$238,496$154,771—

2023 property taxes (current owner): $3,075/yr

Estimated taxes if purchased at asking price: ~$10,800/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 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1985)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,689 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 July 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.

History

Price & status history

  • Aug 1, 2026Price change$589,000−$10,000
  • Oct 25, 2024Listed$599,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$589,000
Price / Sq Ft$284
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,074
Total Structure Area2,464 sq ft
Acres1.05 acres
Year Built1985
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address5287 Deer Island Road, Green Cove Springs, FL 32043
Area161-Green Cove Springs
Subdivision**verifying Subd**
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size45,738 sq ft
Parcel Number08072701608103200
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport
ViewRiver, Trees/Woods
Waterfront TypeNavigable Water, River Front

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Patio / PorchCovered, Deck, Porch, Rear Porch
RoofShingle
Other StructuresBoat House, Shed(s)
Road FrontagePrivate Road

Additional Information

Date ListedOctober 26, 2024
Days on Market645
Tax Amount$3,075.45
Tax Year2023
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ANNALYECE REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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