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Active

Active·172 days on market

1610 Rivers Road

Green Cove Springs, FL 32043

$575,000$201/sqftEst. $2,956/moMLS# 2109131

Beds

Baths

2,864

Sq Ft

1981

Built

—

Garage

Yes

Pool

About this home

Green Cove Springs

Charming home on a very secluded, quiet street in Green Cove Springs. Main home features 3 bedrooms with expansive upstairs primary suite, 2 living areas with wood burning fireplaces, pool, and expansive carport. 1 Bedroom 1 bath guest house is perfect for multi-generational living. Home is situated on just over 1 acre of land, with plenty of room to park your boat or RV. No CDD or HOA! Conveniently located just minutes from the new First Coast Expressway, providing quick and easy access to surrounding areas. Come experience the best of Green Cove Springs with Food truck Fridays, Saturday markets in the park, and great restaurants and shopping.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,956

Principal & Interest: $2,956

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,221

*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$2,956

Property taxesest. at asking price, Clay County$881

Estimated total, before insurance$3,837/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,039/yr · $253/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$372,123	$149,248	—
2024	$475,308	$144,335	—
2023	$422,651	$138,675	—
2022	$330,923	$133,180	—
2021	$259,033	$127,845	—
2020	$230,734	$125,390	—

2024 property taxes (current owner): $3,039/yr

Estimated taxes if purchased at asking price: ~$10,600/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 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1981)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,643 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

Mar 10, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$201

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,864

Acres1.14 acres

Year Built1981

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionFixer

StatusActive

# of Carport Spaces3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementarySpring Park

MiddleGreen Cove Springs

HighClay

Community Information

Address1610 Rivers Road, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionFellowship Park

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size49,658.4 sq ft

Parcel Number32052602103600000

ZoningSingle Family

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceShared Well, Well

ParkingAttached Carport, Carport, Circular Driveway, Covered

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, In-Law Floorplan, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Trash Compactor

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level