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Sold

Sold·Closed Jul 16, 2026·71 days on market

3035 Five Oaks Lane

Green Cove Springs, FL 32043

$360,000sold priceListed at $369,900 · 97.3% of asking$172/sqftMLS# 2139362
3
Beds
2
Baths
2,097
Sq Ft
2004
Built
2
Garage
No
Pool
HOA $35/mo12,197 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

Welcome Home to Five Oaks neighborhood! BUYER INCENTIVE - Seller offering up to $14,000 toward buyer closing costs, prepaid expenses, and/or interest rate buy-down when using Seller's preferred lender. Incentive subject to lender approval, loan program restrictions, and terms outlined in the executed contract. Great location with easy access to Green Cove Springs, Orange Park, and nearby restaurants, shopping, and schools. Home features freshly painted stucco exterior, new interior Sherwin Willams paint, new carpet, new cabinets, new quartz countertops, new water heater, and NEW ROOF! HVAC 2019. Don't miss this one - Schedule your showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,994
Property taxesest. at asking price, Clay County$552
HOAbilled annually$35
Estimated total, before insurance$2,581/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,408/yr · $451/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

$360,000
$72,000
Loan Term
Monthly Payment
$1,994
Principal & Interest: $1,994
Property taxes (est.): $552
Insurance (est.): $240
Estimated Total Monthly
$2,786
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

YearMarket valueTaxable valueChange
2025$349,078$318,532—
2024$344,210$289,575▲ $21,477
2023$337,416$263,250—
2022$247,504$239,319—
2021$217,563$217,563—
2020$204,982$204,982▼ $6,022

2025 property taxes (current owner): $5,408/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Jul 16, 2026Closed$369,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $193/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3023 Five Oaks Lane, Green Cove Springs, FL 32043Listed by UNITED REAL ESTATE GALLERYSep 2026$381,500$1744/22,188570
3019 Majestic Oaks Lane, Green Cove Springs, FL 32043Listed by FRESH START REALTYAug 2026$332,000$1983/21,674110.7
3366 Wall Road, Green Cove Springs, FL 32043Listed by WATSON REALTY CORPJul 2026$200,000$963/22,094180.8
3292 Cypress Walk Place, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$460,000$1954/32,361421
3011 Free Bird Loop, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTYAug 2026$438,000$1934/22,275711.1
3060 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLCAug 2026$455,000$1834/42,49291.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$369,900
Price / Sq Ft$176
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,097
Acres0.28 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs
HighClay

Community Information

Address3035 Five Oaks Lane, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionFive Oaks
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size12,196.8 sq ft
Parcel Number39052601511300712

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesEntrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Front Porch, Patio

Additional Information

Date ListedApril 10, 2026
Days on Market71
HOA Fees$425 / Annually
HOA FrequencyAnnually
Tax Amount$5,407.93
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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

This home sold on Jul 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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