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Active

Active·100 days on market

1738 Oak Grove Circle

Green Cove Springs, FL 32043

$640,000$313/sqftEst. $3,263/moMLS# 2138525

Beds

Baths

2,048

Sq Ft

1977

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to ''The Point''! Rare opportunity to own one of the most desirable waterfront properties off Black Creek in Green Cove Springs! Situated on a stunning point/peninsula, this one-story ranch offers expansive water views and deepwater access with the ability to have 2 docks/boats if desired. Enjoy effortless boating with quick access to the St. John's River & ocean, yet still have a protected harbor for your boat. The home features plenty of upgrades, a bright and inviting floor plan, with a spacious kitchen overlooking the Florida room addition--perfect for relaxing or entertaining while taking in the scenic surroundings. A recently upgraded oversized garage and utility space provides ample storage and functionality. Tucked away in a private setting, yet conveniently located near top-rated schools and just minutes from the new First Coast Expressway, this property offers the perfect blend of tranquility and accessibility.

Cost to own

Mortgage calculator

Home Price

$640,000

Down Payment: 20%

$128,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,263

Principal & Interest: $3,263

Property taxes (est.): $981

Insurance (est.): $427

Estimated Total Monthly

$4,671

*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$3,263

Property taxesest. at asking price, Clay County$981

Estimated total, before insurance$4,244/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,745/yr · $312/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	$352,909	$211,503	—
2024	$315,369	$204,835	—
2023	$311,627	$197,413	—
2022	$276,704	$190,207	—
2021	$240,515	$174,880	—
2020	$232,365	$171,776	—

2025 property taxes (current owner): $3,745/yr

Estimated taxes if purchased at asking price: ~$11,800/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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1977)

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: ~1,671 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