$329,990Sold3 bd · 2.5 ba · 2,294 sq ft
Sold·Closed Sep 24, 2026·201 days on market
3431 Humphrey Street
Green Cove Springs, FL 32043
About this home
Green Cove Springs
The Thornton floor plan strikes the ideal balance between private retreats and open living spaces. On the second floor, you'll find the primary bedroom along with two additional bedrooms and a flexible loft area. The first floor is designed for both relaxation and entertaining, featuring a spacious great room that flows seamlessly into the dining area. The kitchen overlooks a cozy café area, perfect for casual meals. With 3 bedrooms, 2 baths, a 2-car garage, and a covered patio, this home offers comfort and style in every corner. Photos are representative of a Thornton Floorplan**
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Closest park or preserve
Alpine Groves Parkabout 11 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 4 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 6 mi · Saint Johns River - Black Creek
Closest grocery store
Publixabout 12 mi · 9518 Argyle Forest Blvd, Jacksonville
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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 6:44 AM, sunset 5:37 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $20,000 | $20,000 | ▲ $5,000 |
2025 property taxes (current owner): $2,445/yr
Estimated taxes if purchased at asking price: ~$6,100/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
- Sep 24, 2026Closed$329,990
- Sep 8, 2026Pending$329,990
- Aug 27, 2026Price change$329,990−$10,000
- Jul 29, 2026Price change$339,990−$2,123
- Jul 24, 2026Price change$342,113−$7,877
- Feb 19, 2026Listed$349,990
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 $185/sq ft; this home is listed at $144/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3890 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $381,990 | $167 | 4/3 | 2,289 | 356 | 0.1 |
| 3901 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Nov 2026 | $299,990 | $185 | 3/2 | 1,622 | 22 | 0.2 |
| 3856 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $421,990 | $143 | 5/3.5 | 2,961 | 93 | 0.2 |
| 3889 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $338,990 | $189 | 4/2 | 1,797 | 109 | 0.2 |
| 3885 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $303,990 | $187 | 3/2 | 1,622 | 105 | 0.2 |
| 2635 Royal Pointe Drive, Green Cove Springs, FL 32043Listed by EVERYSTATE INC | Sep 2026 | $355,000 | $174 | 4/2 | 2,045 | 83 | 1 |
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: OLYMPUS EXECUTIVE REALTY, INC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 24, 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
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