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Sold·Closed Mar 6, 2026·25 days on market
1643 Spruce Street
Green Cove Springs, FL 32043
About this home
Green Cove Springs
This charming 3-bedroom, 1-bath home has been thoughtfully remodeled and sits on a corner lot in a convenient location close to shopping, dining, and more. Relax on the welcoming front porch and enjoy your morning coffee or unwind in the evening. Inside, you'll find fresh interior and exterior paint, new luxury vinyl plank flooring, updated light fixtures, and a fully renovated kitchen and bathroom. The home also features brand-new stainless-steel appliances, new windows, a new A/C unit, and a new water heater, while the roof is 7 years old. The carport and laundry room are offered as-is, no warranty. Additional details available upon request.
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.
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 1950)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,645 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 homeThis 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
2025 property taxes (current owner): $958/yr
Estimated taxes if purchased at asking price: ~$4,300/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, NEFMLS.
History
Price & status history
- Jan 10, 2026Listed$235,000
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 $197/sq ft; this home is listed at $214/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1534 Center Street, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Nov 2025 | $245,000 | $200 | 3/2 | 1,224 | 5 | 0.2 |
| 2 N Oakridge Avenue, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $140,000 | $139 | 3/1 | 1,008 | 17 | 0.3 |
| 1407 Spruce Street, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC | Jul 2026 | $110,000 | $100 | 3/1.5 | 1,104 | 0 | 0.3 |
| 20 Vermont Avenue, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC | Feb 2026 | $225,000 | $197 | 3/1 | 1,145 | 9 | 0.3 |
| 1217 Spruce Street, Green Cove Springs, FL 32043Listed by EXP REALTY LLC | Mar 2026 | $259,000 | $188 | 4/2 | 1,380 | 124 | 0.5 |
| 1165 Martin Luther King Jr Boulevard, Green Cove Springs, FL 32043Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Sep 2026 | $270,000 | $214 | 3/2 | 1,262 | 264 | 0.6 |
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: MOMENTUM 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.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 6, 2026. 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines