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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$374,0003 bd · 2 ba · 1,560 sq ft

Active·208 days on market

212 St Johns Avenue 212

Green Cove Springs, FL 32043

$374,000$240/sqftEst. $2,039/mo mortgageMLS# 2140630
↓ $15,000 below original list
3
Beds
2
Baths
1,560
Sq Ft
1925
Built
—
Garage
No
Pool
FEMA Zone XHOA $575/mo436 sqft lotWaterfrontCondominium1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Green Cove Springs

Now is your chance to own a unit in the historic Mediterranean building - Hoyt House! Elegance truly defines this exceptional condo, where timeless character meets thoughtful, high-end design. Attention to detail is evident throughout, with beautiful bamboo hardwood flooring and intricate tile work adding warmth and sophistication. The custom kitchen is a standout feature, offering handcrafted cabinetry--some with glass fronts to showcase your china--along with stunning quarts countertops. Equipped with double ovens, a warming drawer, microwave, dishwasher, and refrigerator, this kitchen is both functional and impressive.Both bathrooms are tastefully designed with antique vanities, adding charm and uniqueness to the space. Two fireplaces--one in the main living area and another in the spacious owner's suite--create cozy, inviting retreats. Wake up to breathtaking morning sunrises over the St. Johns River.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,039
Property taxesest. at asking price, Clay County$561
HOAbilled monthly$575
Estimated total, before insurance$3,175/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,300/yr · $275/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

$374,000
$74,800
Loan Term
Monthly Payment
$2,039
Principal & Interest: $2,039
Property taxes (est.): $561
Insurance (est.): $249
Estimated Total Monthly
$2,849
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1925)

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: ~1,745 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$172,425$172,425—
2025$171,974$171,974—
2024$168,015$164,202—
2023$165,000$149,275—
2022$147,315$135,705—
2021$123,369$123,369—
2020$120,614$120,614—

2025 property taxes (current owner): $3,300/yr

Estimated taxes if purchased at asking price: ~$6,700/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 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Oct 28, 2026Price change$374,000−$15,000
  • Apr 17, 2026Listed$389,000

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 $183/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
120 Governor Street 101, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$220,000$1832/21,200621.1
142 Governor Street 110, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATEOct 2026$270,000$2082/2.51,3001151.1
118 Governor Street 208, Green Cove Springs, FL 32043Listed by THE WILKINS WAYJul 2026$210,000$1752/21,200731.1
132 Governor Street 105, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNSJun 2026$290,000$2232/2.51,30001.1
116 Governor Street 124, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS FIRST COAST REALTYFeb 2026$220,000$1832/21,200251.1
4246 Migration Way, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCNov 2026$266,940$1823/2.51,4681581.8

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$374,000
Price / Sq Ft$240
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,560
Acres0.01 acres
Year Built1925
TypeResidential
Sub-TypeCondominium
StyleSpanish
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesWest

School Information

ElementaryCharles E. Bennett
MiddleGreen Cove Springs
HighClay

Community Information

Address212 St Johns Avenue 212, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionHoyt House
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size435.6 sq ft
Parcel Number38062601752500105
ZoningResidential

Amenities

AmenitiesPool, Boat Slip, Car Wash Area, Maintenance Structure
Community FeaturesStreet Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned
ViewRiver
Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Lights, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Boat Slip, Dock
Patio / PorchCovered, Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 17, 2026
Days on Market208
HOA Fees$575 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Pest Control, Sewer, Water
Tax Amount$3,300.07
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PLANTANA REALTY, INC.

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.

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