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Sold

Sold·Closed Nov 21, 2025·34 days on market

215 Pioneer Trail

Green Cove Springs, FL 32043

$530,000sold priceListed at $550,000 · 96.4% of asking$299/sqftMLS# 2113503
3
Beds
2.5
Baths
1,770
Sq Ft
1986
Built
—
Garage
No
Pool
No HOA2.32 acresWaterfrontSingle Family Residence1 story

About this home

Green Cove Springs

Outdoor Paradise Awaits! Tucked on 2.32 acres, this 3BR/2.5BA retreat (1,770 sq. ft.) offers modern updates, outdoor adventure, and peaceful living. Recent upgrades include a newer HVAC, newer roof, and refreshed septic. A 1,200 sq. ft. insulated metal building (2023) with A/C and concrete flooring provides endless options—rec room, home gym, art studio, or guest space. A separate workshop and 14x20 shed offer ample storage. Relax on the screened front porch or the covered patio —perfect for grilling and taking in nature. Launch your kayak or boat from your private lift into Cedar Creek with direct access to the St. Johns River—ideal for fishing, boating, and spotting manatees. Enjoy starlit nights or unwind in the screened gazebo by the dock. With the Outer Beltway nearby, you're minutes from shopping and dining yet worlds away. Bring your garden, chickens, or family gatherings—this property is your own slice of heaven. Don't miss this rare find - schedule today!

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$2,936
Estimated total, before insurance$2,936/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,494/yr · $291/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

$530,000
$106,000
Loan Term
Monthly Payment
$2,936
Principal & Interest: $2,936
Insurance (est.): $353
Estimated Total Monthly
$3,289
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; 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: Metal — year not disclosed (home built 1986)

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

Solar potential: ~1,679 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,494/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. 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 $340/sq ft; this home is listed at $311/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
152 Pioneer Trail, Palatka, FL 32043Listed by COLDWELL BANKER BEN BATES INCAug 2026$500,000$3403/21,469300.5
110 Pioneer Trail, Green Cove Springs, FL 32043Listed by LOKATIONJul 2026$549,000$3683/21,492540.9
442 Cedar Creek Road, Palatka, FL 32177Listed by MODERN REALTY OF FLORIDASep 2026$545,000$4163/21,30922
167 Slew Court, Palatka, FL 32177Listed by WATKINS REALTY GROUPJun 2025$470,000$2344/22,0081232.2
370 Cedar Creek Road, Palatka, FL 32177Listed by WATSON REALTY CORPAug 2026$400,000$1913/2.52,09212.8
541 Palmetto Bluff Road, Palatka, FL 32177Listed by ANCHOR REALTY JAXAug 2026$289,900$2173/21,334452.8

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$550,000
Price / Sq Ft$311
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,770
Acres2.32 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

Community Information

Address215 Pioneer Trail, Green Cove Springs, FL 32043
Area563-East Bostwick/Bridgeport/Cedar Creek
SubdivisionWhispering Oaks
CityGreen Cove Springs
CountyPutnam
StateFL
Zip Code32043
Lot Size101,059.2 sq ft
Lot Dimensions150 x 624 x 136.06 x 682
Parcel Number160827000000100050
ZoningAgricultural

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther, Additional Parking, Detached Carport

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Guest Suite, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Washer
HeatingCentral, Heat Pump, Hot Water
CoolingCentral Air, Split System
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Exterior FeaturesBoat Lift, Dock, Other
Lot DescriptionIrregular Lot
Patio / PorchCovered, Front Porch, Patio, Porch, Screened, Side Porch
FencingFenced, Wood
RoofMetal
ConstructionOther, Fiber Cement
Other StructuresGazebo, Shed(s), Workshop

Additional Information

Date ListedOctober 16, 2025
Days on Market34
Tax Amount$3,494.47
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FATHOM REALTY FL, LLC.

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 Nov 21, 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

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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