Active Under Contract·82 days on market
118 Governor Street 208
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Enjoy waterfront living at its finest in this beautifully renovated 2-bedroom, 2-bath condo overlooking the scenic St. Johns River complete with boat-slip! This light-filled unit features soaring vaulted ceilings that create an open, airy feel throughout the main living space. The updated interior includes wood flooring in the kitchen, dining area, and hallways, adding warmth and style, while the spacious layout offers both comfort and functionality. The kitchen flows seamlessly into the dining and living areas--perfect for everyday living or entertaining. Relax in the enclosed porch with peaceful river views--ideal for morning coffee or evening sunsets. The primary suite offers a private retreat with an en-suite bath, while the second bedroom and full bath provide flexibility. A newer AC adds efficiency and peace of mind. This move-in-ready condo blends modern updates with serene waterfront living in a gated community.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $215,457 | $86,528 | — |
| 2024 | $210,492 | $83,382 | — |
| 2023 | $210,450 | $79,498 | — |
| 2022 | $178,138 | $75,727 | — |
| 2021 | $134,684 | $72,066 | — |
| 2020 | $122,079 | $70,381 | — |
2025 property taxes (current owner): $1,918/yr
Estimated taxes if purchased at asking price: ~$4,300/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: material not specified — year not disclosed (home built 1985)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,710 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 homeInformational 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.
History
Price & status history
- Jul 7, 2026Active Under Contract$233,000
- Apr 24, 2026Listed$233,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE WILKINS WAY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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