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Active

Active·184 days on market

3456 William Walker Lane

Green Cove Springs, FL 32043

$94,900$128/sqftEst. $503/moMLS# 2135686
3
Beds
2
Baths
744
Sq Ft
1972
Built
Garage
No
Pool
FEMA Zone XNo HOA1.08 acresMobile Home1 story

About this home

Green Cove Springs

Location! Location! Location! Rare opportunity to own a 1-acre lot with a comfortable 3-bedroom, 2-bath singlewide manufactured home right in the heart of Green Cove Springs. The property features mature trees and attractive landscaping, offering both privacy and charm. Ideally located just off Highway 17, tucked behind the Garber Auto Dealership, and backing up to a newer subdivision, this property offers excellent future potential. Whether you're looking for a place to live now, invest, or build your private dream home, you'll appreciate the prime location and NO HOA restrictions. Convenient, versatile, and full of potential--properties like this don't come along often at this price!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$503
Property taxesest. at asking price, Clay County$145
Estimated total, before insurance$648/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,104/yr · $92/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

$94,900
$18,980
Loan Term
Monthly Payment
$503
Principal & Interest: $503
Property taxes (est.): $145
Insurance (est.): $63
Estimated Total Monthly
$711
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1972)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,495 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$62,205$39,663
2024$61,509$36,058
2023$49,886$32,780
2022$33,594$29,800
2021$27,091$27,091
2020$26,566$24,645

2025 property taxes (current owner): $1,104/yr

Estimated taxes if purchased at asking price: ~$1,700/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

  • Jul 28, 2026Active$94,900
  • Jul 27, 2026Active Under Contract$94,900
  • Jul 22, 2026Active$94,900
  • Mar 19, 2026Listed$94,900

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

Features

Price$94,900
Price / Sq Ft$128
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage744
Acres1.08 acres
Year Built1972
TypeResidential
Sub-TypeMobile Home
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address3456 William Walker Lane, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionMetes & Bounds
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size47,044.8 sq ft
Parcel Number05062601523500600

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached, Detached Carport, Garage, Off Street

Interior

AppliancesElectric Range, Microwave, Refrigerator
CoolingWall/Window Unit(s)
# of Stories1

Exterior

Patio / PorchPorch, Screened
Other StructuresOther
Road SurfaceDirt

Additional Information

Date ListedMarch 19, 2026
Days on Market131
Tax Amount$1,104.33
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CENTURY 21 ST AUGUSTINE PROPERTIES · vickiwebbbrown@gmail.com

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

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20+ years · 500+ closings · NE Florida

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