Active·627 days on market
5287 Deer Island Road
Green Cove Springs, FL 32043
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
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 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: ~$11,000/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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Oct 25, 2024Listed$599,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ANNALYECE REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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