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Active

Active·492 days on market

2989 US Highway 17

Green Cove Springs, FL 32043

$899,000Est. $4,761/moMLS# 2087883
0
Beds
0
Baths
0
Sq Ft
Built
Garage
No
Pool
FEMA Zone XNo HOA1.05 acresUnimproved Land

About this home

Green Cove Springs

The zoning code for this property is BB-3. See Information in Documents section for detail of uses permitted for land designated as Zone BB-3. There are many uses listed but some of them are gas stations, car repair or leasing, painting shop, tire sales etc. This property is perfectly situated for uses pertaining to water sports or storage as it sits immediately next to boat ramp access. 140 ft frontage on US 17 and 338 ft Frontage next to River Lane.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$4,761
Property taxesest. at asking price, Clay County$1,378
Estimated total, before insurance$6,138/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,058/yr · $338/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$899,000
$179,800
Loan Term
Monthly Payment
$4,761
Principal & Interest: $4,761
Property taxes (est.): $1,378
Insurance (est.): $599
Estimated Total Monthly
$6,738
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified

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

Solar potential: ~1,690 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$300,201$287,326
2024$283,090$261,206 $45,630
2023$237,460$237,460
2022$237,460$237,460
2021$237,460$237,460
2020$237,460$237,460

2024 property taxes (current owner): $4,058/yr

Estimated taxes if purchased at asking price: ~$16,500/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.

History

Price & status history

  • May 15, 2025Listed$899,000

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

Features

Price$899,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres1.05 acres
TypeLand
Sub-TypeUnimproved Land
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address2989 US Highway 17, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionGovernment
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size45,607.32 sq ft
Lot Dimensions140 X 338
Parcel Number28052601431600000
ZoningLand Use Code

Amenities

UtilitiesElectricity Available, Water Available
Water SourceShared Well, Well

Exterior

Lot DescriptionFew Trees
Road SurfacePaved
Road FrontageCounty Road, Highway

Additional Information

Date ListedMay 15, 2025
Days on Market380
Tax Amount$4,058.26
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo

Listing Courtesy of: EXIT MAGNOLIA POINT REALTY · rosrealestate@gmail.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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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