Active·6 days on market
1078 Merrimac Avenue
Green Cove Springs, FL 32043
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
Priced below recent appraised value! 3.41 acres privately tucked behind US 17. Could be easily converted to commercial zoning. This property includes a solid concrete block construction with a full brick exterior home, offering long-term durability, energy efficiency, and classic curb appeal with a metal roof. Bring your horses! Or add on to the existing house and built an ADU and create your compound! Property Overview (Agricultural Residential zoning) Structure: Single-family concrete block/brick ranch home. Main Home: Concrete block and metal roof, 1,067 sq. ft., 3 bedrooms, 1 bath, single story, built in 1983 Additional Structures: Screened porch, 1-car carport, storage room, workshop/sheds, laundry area
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, 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
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: Metal — year not disclosed (home built 1983)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,480 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mussallem Beachfront Parkabout 23 mi · 48 parking spaces
Closest park or preserve
Alpine Groves Parkabout 15 mi · 1 mi of trails
Closest public boat ramp
Williams Park Boat Rampabout 4 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 4 mi · Saint Johns River
Closest grocery store
Publixabout 12 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $259,114 | $221,851 | — |
| 2024 | $239,890 | $201,683 | — |
| 2023 | $226,299 | $183,349 | — |
| 2022 | $188,922 | $166,681 | — |
| 2021 | $151,529 | $151,529 | — |
| 2020 | $140,596 | $140,596 | — |
2024 property taxes (current owner): $4,698/yr
Estimated taxes if purchased at asking price: ~$6,400/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
- Oct 15, 2026Active$350,000
- Oct 4, 2026Withdrawn$350,000
- Aug 5, 2026Price change$350,000−$30,000
- Oct 8, 2025Listed$380,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $216/sq ft; this home is listed at $329/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 766 Varney Road, Green Cove Springs, FL 32043Listed by MAXREV, LLC | Jul 2025 | $370,000 | $329 | 3/2 | 1,125 | 21 | 0.4 |
| 5790 US Highway 17, Green Cove Springs, FL 32043Listed by COLDWELL BANKER PREMIER PROPERTIES | Jun 2026 | $275,000 | $216 | 3/2 | 1,272 | 523 | 1.3 |
| 1122 Brewsters Cove, Green Cove Springs, FL 32043Listed by AT HOME REALTY SERVICES, LLC. | Jul 2026 | $175,000 | $146 | 3/1 | 1,200 | 13 | 1.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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.
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Krista Fracke
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