Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 65

Active

Active·206 days on market

2005 County Road 16

Green Cove Springs, FL 32043

$725,000Est. $3,739/moMLS# 2124694

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

Green Cove Springs

Green Cove Springs is growing fast, & isn't the sleepy little town you used to drive through anymore. Land is being bought up quickly. SO, whether, you purchase this pristine 13.86 acre property and have your own private sportsman paradise & custom home to pass down generations, OR you plan on doing something more with it as an investment...this property should be top of your list given its qualities & location to urban conveniences & the 1st coast expressway. Located off of a peaceful paved rd, sitting high & dry, recently cut for timber, with a natural slope at the back of the property leading down to a beautiful babbling creek that meanders its way through, yet out of the way for developing your land. Property has been partially game fenced & ready to finish the way you like. Septic & power on property Zoned AG- TIMBER - NATURAL MIX- MOBILE Meets density requirements for other zoning options. *buyer to verify* All In credit union does 5% land loans for those who qualify.

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,739

Principal & Interest: $3,739

Property taxes (est.): $1,111

Insurance (est.): $483

Estimated Total Monthly

$5,333

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,739

Property taxesest. at asking price, Clay County$1,111

Estimated total, before insurance$4,850/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,186/yr · $99/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$569,178	$43,729	—
2024	$536,506	$41,744	—
2023	$429,807	$39,179	—
2022	$350,268	$36,279	—
2021	$285,558	$32,871	—
2020	$263,191	$31,759	—

2025 property taxes (current owner): $1,186/yr

Estimated taxes if purchased at asking price: ~$13,300/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.

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: material not specified

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

Likely septic · 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: ~1,561 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

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