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Sold·Closed Dec 16, 2025·45 days on market

860 Warner Road

Green Cove Springs, FL 32043

$325,000sold priceListed at $325,000 · 100% of asking$178/sqftMLS# 2111371
3
Beds
2
Baths
1,824
Sq Ft
1999
Built
—
Garage
Yes
Pool
No HOA1.32 acresMobile Home1 story

About this home

Green Cove Springs

Check out this 1.32 acre retreat! Far enough for quiet country living, still close to downtown Green Cove Springs, and just minutes to the new First Coast Expressway. With over 1800 square feet you have plenty of space to spread out. This home boasts a large open kitchen with BRAND NEW LVP FLOORING. Off the kitchen is a sizable SCREENED IN PATIO! Primary BR includes a large walk-in closet with shelving. Spacious master bath has it all - soaking tub with separate walk-in shower and double sinks. So many extras on the outside! BRAND NEW HVAC (Oct 2025), FIBER CEMENT SIDING less than 5 yrs old, Roof (4 yrs), huge CARPORT/pavilion with POWER, above ground POOL for those hot days and it's FULLY FENCED! WATER SOFTENER (2024 owned and conveys) located in an actual pump house with EXTRA STORAGE. Water heater only 6 yrs old. There is nothing to do but move in and ENJOY! $500 appraisal credit w/ preferred lender!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,800
Property taxesest. at asking price, Clay County$498
Estimated total, before insurance$2,298/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,016/yr · $251/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

$325,000
$65,000
Loan Term
Monthly Payment
$1,800
Principal & Interest: $1,800
Property taxes (est.): $498
Insurance (est.): $217
Estimated Total Monthly
$2,515
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,728 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,016/yr

Estimated taxes if purchased at asking price: ~$6,000/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, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $210/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
871 Landreth Road, Green Cove Springs, FL 32043Listed by THE WILKINS WAYMay 2026$385,000$2123/21,820371.1
935 Little Pond Road, Green Cove Springs, FL 32043Listed by UNITED REAL ESTATE GALLERYSep 2025$350,000$2103/2.51,664382
5480 Highway 17 S, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNSOct 2025$310,000$1364/22,28062.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$325,000
Price / Sq Ft$178
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,824
Acres1.32 acres
Year Built1999
TypeResidential
Sub-TypeMobile Home
StatusClosed
# of Carport Spaces2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

School Information

ElementaryCharles E. Bennett
MiddleGreen Cove Springs
HighClay

Community Information

Address860 Warner Road, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionMetes & Bounds
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size57,499.2 sq ft
Parcel Number23072601596100201

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Carport, Detached Carport, RV Access/Parking

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Ice Maker, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCleared, Few Trees
Patio / PorchAwning(s), Patio, Rear Porch, Screened
FencingBack Yard, Chain Link, Full
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedOctober 1, 2025
Days on Market45
Tax Amount$3,016.45
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Sold by: MAVREALTY (buyer's brokerage)

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

This home sold on Dec 16, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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