1 / 34

Active

Active·134 days on market

6169 County Road 209 S

Green Cove Springs, FL 32043

$1,175,000$1166/sqftEst. $6,254/moMLS# 2132864

Beds

Baths

1,008

Sq Ft

1954

Built

—

Garage

Pool

About this home

Green Cove Springs

Rare opportunity to own 10 acres of premier waterfront on the St. Johns River, positioned on one of the widest sections of the river--spanning over 3 miles across with unobstructed panoramic views rarely available in Northeast Florida. This property is built for true waterfront living, featuring approximately 150 feet of river frontage and an impressive 500-ft dock equipped with both a boat lift and jet ski lift. Enjoy direct ocean access via the St. Johns River or cruise by boat to multiple state parks and natural preserves along the river. The existing 2-bedroom cottage offers immediate use as a residence, weekend getaway, or guest house while you design and build your custom riverfront estate. The full 10-acre parcel provides exceptional privacy, flexibility, and future potential--ideal for a private compound, equestrian use, or long-term investment. The property is rich with native wildlife, including deer, turkey, and a variety of bird species, creating a true Old Florida setting.

Cost to own

Mortgage calculator

Home Price

$1,175,000

Down Payment: 20%

$235,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,935

Principal & Interest: $5,935

Est. Taxes & Insurance: $1,484

Estimated Total Monthly

$7,419

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$6,254

Property taxesest. at asking price, Clay County$1,801

Estimated total, before insurance$8,054/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, 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	$101,996	$101,996	—
2024	$436,980	$324,981	—
2023	$438,108	$314,060	—
2022	$396,669	$303,457	—
2021	$369,991	$293,163	—
2020	$366,338	$288,426	—

2025 property taxes (current owner): $1,556/yr

Estimated taxes if purchased at asking price: ~$21,600/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: material not specified — year not disclosed (home built 1954)

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

Septic system (public record) · 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: ~1,513 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

Informational 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