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Active

Active·111 days on market

5530 County Road 209 S

Green Cove Springs, FL 32043

$1,100,000$572/sqftEst. $5,609/moMLS# 2128118

Beds

Baths

1,923

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

New Custom 4BD/2BA Home on 20 Private Acres - Green Cove Springs! Escape to your own oasis just 1.5 miles from scenic Williams Park (pavilions, playground, St. Johns River views). Brand-new custom home on fully fenced 20 acres w/ two ponds--perfect for horses, farming, privacy & outdoor fun. 1,923 sqft living + 447 sqft insulated garage + 171 sqft porch = 2,541 sqft under roof. 9-ft ceilings, 2x6 walls, LVP flooring, tile baths, modern gas stove, full insulation. Huge 682 sqft concrete patio, exterior disk lighting, Ring cameras, 3-ton HVAC (10-yr warranty), well/septic. Enjoy peaceful country living with convenient access to the First Coast Expressway, making commuting easy while preserving the privacy and tranquility of this 20-acre retreat. Your dream retreat awaits! Schedule your private showing today! DO NOT ENTER W/O APPT.

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,609

Principal & Interest: $5,609

Property taxes (est.): $1,686

Insurance (est.): $733

Estimated Total Monthly

$8,028

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$5,609

Property taxesest. at asking price, Clay County$1,686

Estimated total, before insurance$7,294/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,042/yr · $337/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

Last sold: $330,000 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$264,991	$264,991	—
2024	$264,991	$264,991	—
2023	$264,991	$264,991	—
2022	$228,993	$124,187	—
2021	$112,898	$112,898	—
2020	$112,900	$112,900	—

2025 property taxes (current owner): $4,042/yr

Estimated taxes if purchased at asking price: ~$20,200/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,523 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

Price & status history

Apr 3, 2026Listed$1,100,000

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

Features

Price$1,100,000

Price / Sq Ft$572

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,923

Acres20.02 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address5530 County Road 209 S, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionGreen Cove

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size872,071.2 sq ft

Parcel Number18072701608400100

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourcePrivate

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Gated, Off Street, RV Access/Parking

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other

AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Range, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Security Lights, Smoke Detector(s), Other