Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 48
Active

Active·201 days on market

5530 County Road 209 S

Green Cove Springs, FL 32043

$1,030,000$536/sqftEst. $5,705/mo mortgageMLS# 2128118
↓ $70,000 below original list
4
Beds
2
Baths
1,923
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XNo HOA20.02 acresSingle Family Residence1 storyNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,705
Property taxesest. at asking price, Clay County$1,578
Estimated total, before insurance$7,284/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,030,000
$206,000
Loan Term
Monthly Payment
$5,705
Principal & Interest: $5,705
Property taxes (est.): $1,578
Insurance (est.): $687
Estimated Total Monthly
$7,970
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

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

YearMarket valueTaxable valueChange
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: ~$18,900/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

  • Oct 2, 2026Price change$1,030,000−$30,000
  • Aug 26, 2026Price change$1,060,000−$15,000
  • Aug 6, 2026Price change$1,075,000−$25,000
  • Apr 3, 2026Listed$1,100,000

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 $267/sq ft; this home is listed at $536/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5592 Dianthus Street, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLEDec 2025$451,000$2124/32,1231521
5577 Dianthus Street, Green Cove Springs, FL 32043Listed by KAHLE COMMERCIAL GROUP, INCJun 2025$855,000$3683/22,324201.1
5325 Deer Island Road, Green Cove Springs, FL 32043Listed by UNITED REAL ESTATE GALLERYSep 2026$444,000$2672/21,6601481.5
5193 County Road 209 S, Green Cove Springs, FL 32043Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJan 2026$335,000$1454/22,31231.6
5299 Deer Island Road, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTYOct 2025$1,075,000$4803/2.52,2411791.6
574 Hall Road, Green Cove Springs, FL 32043Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$358,000$2074/31,72851.9

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

Price$1,030,000
Price / Sq Ft$536
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

Exterior

Lot DescriptionAgricultural, Cleared, Few Trees
Patio / PorchFront Porch, Patio
FencingFull
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedApril 3, 2026
Days on Market223
Tax Amount$4,041.72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: YOUR CHOICE REAL ESTATE

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines