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Active

Active·254 days on market

246 Six Pond Trail

Green Cove Springs, FL 32043

$425,000$260/sqftEst. $2,185/moMLS# 2121995

Beds

Baths

1,634

Sq Ft

1992

Built

—

Garage

Yes

Pool

About this home

Green Cove Springs

Renovated Cabin Style Home | Pool, Workshop, RV Parking, No HOA | Green Cove Springs Space. Privacy. Freedom. In Clay County, that combination is everything and this property delivers all three. Nestled on over an acre in the heart of Green Cove Springs, this beautifully renovated 3 bedroom, 2 bathroom cabin style home is the kind of property families search for and rarely find. No HOA. Room to breathe. A backyard built for living. And a location that keeps you connected to everything Northeast Florida has to offer without sacrificing an inch of the peace and quiet you moved here for. Step inside and the character greets you immediately. Soaring vaulted ceilings draw your eye upward while rich wood accents wrap the space in warmth and texture. The open concept layout flows naturally from the living room through the dining area and into the updated kitchen, creating a home that lives as beautifully as it looks.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,185

Principal & Interest: $2,185

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,120

*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$2,185

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,836/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.

Cost to own

Taxes & assessment

Last sold: $270,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$229,209	$0	—
2024	$209,169	$0	—
2023	$197,713	$0	—
2022	$171,812	$154,332	—
2021	$140,302	$140,302	—
2020	$132,550	$132,550	—

Estimated taxes if purchased at asking price: ~$7,800/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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1992)

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: ~1,472 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.

History