Active·134 days on market
3977 Susan Drive
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Welcome to this stunning 4-bedroom, 3-bathroom riverfront home offering 2,782 sq ft of beautifully designed living space in the peaceful community of Green Cove Springs. Designed for both entertaining and everyday comfort, this home features an open-concept floor plan with dramatic vaulted ceilings, exposed beams, and a striking two-sided wood-burning fireplace that creates a warm and inviting centerpiece in the main living area. Large walls of sliding glass doors and transom windows fill the home with natural light while framing breathtaking panoramic lake views, creating a seamless connection between indoor and outdoor living. The fully renovated chef's kitchen is a showstopper and includes: Premium appliances, Gas stove with pot filler Four ovens for serious cooking and entertaining, Microwave drawer and warming drawer, Large 8-foot island with sink and power, Modern cabinetry and upgraded countertops, Stylish lighting Beautiful marble and wood flooring
Cost to own
Mortgage calculator
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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $344,200 | $288,478 | — |
| 2024 | $343,925 | $288,925 | — |
| 2023 | $342,908 | $287,908 | — |
| 2022 | $322,234 | $322,234 | — |
| 2021 | $304,674 | $304,674 | — |
| 2020 | $298,237 | $247,737 | — |
2025 property taxes (current owner): $4,919/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 (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1958)
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: ~1,656 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Mar 3, 2026Listed$1,100,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PUBLIC SERVICES REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
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.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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