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Pending

Pending·106 days on market

4945 US Highway 17

Green Cove Springs, FL 32043

$565,000$218/sqftEst. $3,007/moMLS# 2137583

Beds

Baths

2,588

Sq Ft

1992

Built

—

Garage

Pool

About this home

Green Cove Springs

Here it is! That one property you've been dreaming about. Chickens, cattle, and definitely the veggie garden, can all be a reality here. Most of the property is cleared and beautiful. The barn/workshop was rebuilt about 5 years ago and has a convenient half bath. There's also a large pole barn handy for storing heavy equipment. There's a chicken coop, a fishing pond, a large dog kennel and an ample amount of space to put your dreams to fruition. The house has a front porch that extends the length of the home. Inside you will find the primary bed/bath, 2 other bedrooms and a guest bath/laundry downstairs while the entire 2nd floor is a large bedroom and full bath. There is a door in the upstairs bedroom that was supposed to lead to a balcony, but the owners didn't get around to building it. There's 2 HVAC units - ages 2017 & 2020. Water heater is 2023.Metal roof 2009. The wood burning fireplace was crafted by stones found on the property which gives it a sweet history. What is also

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,854

Principal & Interest: $2,854

Est. Taxes & Insurance: $713

Estimated Total Monthly

$3,567

*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$3,007

Property taxesest. at asking price, Clay County$866

Estimated total, before insurance$3,873/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	$413,046	$99,674	—
2024	$401,035	$96,017	—
2023	$383,526	$91,619	—
2022	$314,733	$91,849	▼ $1,440
2021	$249,159	$87,703	—
2020	$232,434	$85,795	—

2025 property taxes (current owner): $2,040/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — 2009 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,674 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.