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Active Under Contract

Active Under Contract·136 days on market

1402 Wilkies Point Road

Green Cove Springs, FL 32043

$4,000,000$552/sqftEst. $20,395/moMLS# 2134232

Beds

Baths

7,243.95

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Green Cove Springs

Deepwater Mediterranean Estate on the St. Johns River | Luxury Waterfront Living Some homes are built. Others are crafted -- and this one was crafted for those who demand the very best. Nestled along the deepwater shores of the legendary St. Johns River, this stunning Mediterranean estate offers direct navigable access for your boat, jet skis, and a life lived on the water. With a private boatlift and jet ski lifts just steps from your door, the river isn't just a view -- it's your backyard playground. From the moment you arrive, the classic Mediterranean architecture sets the tone for everything within. Rich custom tile and travertine floors flow effortlessly through sun-drenched living spaces, while custom cabinetry -- crafted with artisan precision -- graces the kitchen and throughout, adding warmth, character, and a level of quality that simply cannot be replicated.

Cost to own

Mortgage calculator

Home Price

$4,000,000

Down Payment: 20%

$800,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$20,395

Principal & Interest: $20,395

Property taxes (est.): $6,130

Insurance (est.): $2,667

Estimated Total Monthly

$29,191

*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$20,395

Property taxesest. at asking price, Clay County$6,130

Estimated total, before insurance$26,525/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$24,066/yr · $2,005/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

Year	Market value	Taxable value	Change
2025	$1,957,602	$1,543,778	—
2024	$1,931,565	$1,499,563	—
2023	$1,913,864	$1,454,431	—
2022	$1,598,768	$1,410,613	—
2021	$1,424,478	$1,368,071	—
2020	$1,398,493	$1,348,493	—

2025 property taxes (current owner): $24,066/yr

Estimated taxes if purchased at asking price: ~$73,600/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 — 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 2005)

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: ~1,726 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

Jul 25, 2026Active Under Contract$4,000,000
Mar 10, 2026Listed$4,000,000

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

Features

Price$4,000,000

Price / Sq Ft$552

Bedrooms5

Bathrooms6.00

Full Baths5

Half Baths2

Square Footage7,243.95

Acres1.16 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages5

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Fenced, Gas Heat, Heated, Pool Sweep, Salt Water, Waterfall

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighClay

Community Information

Address1402 Wilkies Point Road, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionGreen Cove

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size50,529.6 sq ft

Parcel Number28052601433100000

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Available, Water Available, Water Connected, Propane

SewerSeptic Tank

Water SourcePrivate, Well

Green / EnergyInsulation, Lighting, Roof, Thermostat, Water Heater

ParkingAdditional Parking, Attached, Garage, RV Access/Parking

ViewRiver, Water

Waterfront TypeNavigable Water, No Fixed Bridges, River Front

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Multi Units, Split System, Zoned

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Free Standing, Outside, Wood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Upper Level, Washer Hookup

SecurityClosed Circuit Camera(s), Security Gate, Security Lights, Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private