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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Active

Active·406 days on market

316 Cypress Avenue

Green Cove Springs, FL 32043

$379,000$153/sqftEst. $2,023/moMLS# 2102977
4
Beds
3
Baths
2,472
Sq Ft
1950
Built
—
Garage
No
Pool
FEMA Zone XNo HOA14,810 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

NEW ROOF INSTALLED AT CLOSING Welcome to this stunning, FULLY RENOVATED home! This home sits on a huge corner lot with beautiful magnolia and oak trees, creating a peaceful setting. Inside, a bright and welcoming atmosphere greets you with an OPEN LAYOUT and stylish, modern touches throughout. The spacious kitchen features a large island, WALK-IN PANTRY, soft-close cabinets, and elegant quartz countertops. Beautiful accent walls add a custom touch, while plenty of STORAGE ensures a clutter-free space. The home offers 4 beds/3 baths, including a huge master suite with a gorgeous, large walk-in shower. All bathrooms have luxurious FLOOR TO CEILING TILE. Step outside to a FENCED SIDE YARD and a pavered driveway for convenience. The true highlight of this property is the incredible 1200 SQFT WORKSHOP, offering a perfect space for a hobbyist, or a massive amount of storage. This home perfectly blends modern design with functional space, inside and out. Don't miss out!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,023
Property taxesest. at asking price, Clay County$581
Estimated total, before insurance$2,604/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,757/yr · $230/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

$379,000
$75,800
Loan Term
Monthly Payment
$2,023
Principal & Interest: $2,023
Property taxes (est.): $581
Insurance (est.): $253
Estimated Total Monthly
$2,857
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 1950)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,560 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:17 AM, sunset 7:19 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $180,000 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$162,834$162,834—
2024$201,762$119,416—
2023$184,416$114,482—
2022$159,692$109,692—
2021$137,139$137,139—
2020$143,729$143,729—

2024 property taxes (current owner): $2,757/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

History

Price & status history

  • Aug 15, 2025Listed$379,000

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

Features

Price$379,000
Price / Sq Ft$153
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,472
Acres0.34 acres
Year Built1950
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryCharles E. Bennett
MiddleGreen Cove Springs
HighClay

Community Information

Address316 Cypress Avenue, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionNorth Suburbs Green
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size14,810.4 sq ft
Lot Dimensions100 x 134
Parcel Number38062601732700000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingOther

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot, Irregular Lot
Patio / PorchCovered, Front Porch
FencingOther, Fenced
RoofShingle
Other StructuresWorkshop
Road SurfaceAsphalt

Additional Information

Date ListedAugust 15, 2025
Days on Market320
Tax Amount$2,757.29
Tax Year2024
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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