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

Active·116 days on market

2226 State Road 16

Green Cove Springs, FL 32043

$450,000$289/sqftEst. $2,402/moMLS# 2119778
1
Beds
1
Baths
1,556
Sq Ft
1956
Built
2
Garage
No
Pool
FEMA Zone ANo HOA9.56 acresWaterfrontSingle Family Residence1 story

About this home

Green Cove Springs

Endless possibilities 9.82 beautiful acres , and two concrete block structures ready to be transformed. One building with 1556 sf is shown as living area but does not have heat and air and one with 960sf, buildings have been gutted , giving you a true blank canvas to design exactly what you need. Zoned agricultural/residential, offering flexible potential for a homesite, hobby farm, animals, gardens, or a combination of uses buyer to verify intended use with the county. A four-wheel-drive 5700 Kabota tractor and it's implements go with sale( see in photos) Major improvements have already been done for you: new roofs on both structures, new windows and exterior doors, and an upgraded electric panel, providing a solid starting point for your vision. With nearly 10 acres to work with, there's room to create a private residence, workshop, studio spaces, storage, or small agricultural operation. The land offers a mix of open space and natural surroundings, with the creek adding charm.

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$2,402
Property taxesest. at asking price, Clay County$690
Estimated total, before insurance$3,092/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,958/yr · $163/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,402
Principal & Interest: $2,402
Property taxes (est.): $690
Insurance (est.): $300
Estimated Total Monthly
$3,392
*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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 1956)

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

Likely septic

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: ~1,409 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 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$104,918$104,918—
2024$104,647$25,000—
2023$104,156$25,000—
2022$101,407$25,000—
2021$100,534$25,000—
2020$100,262$25,000—

2025 property taxes (current owner): $1,958/yr

Estimated taxes if purchased at asking price: ~$8,300/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

  • Jun 1, 2026Listed$450,000

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

Features

Price$450,000
Price / Sq Ft$289
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage1,556
Total Structure Area2,516 sq ft
Acres9.56 acres
Year Built1956
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address2226 State Road 16, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionBradley & Triplett
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size416,433.6 sq ft
Parcel Number08062601537100000
ZoningAgricultural

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingDetached
Waterfront TypeCreek

Interior

AppliancesNone
HeatingNone
CoolingNone
# of Stories1
LevelsOne

Exterior

ConstructionBlock

Additional Information

Date ListedJune 1, 2026
Days on Market287
Tax Amount$1,958.23
Tax Year2025
Listing TermsCash, Conventional, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT MAGNOLIA POINT REALTY

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.

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20+ years · 500+ closings · NE Florida

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