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Pending

Pending·26 days on market

110 Pioneer Trail

Green Cove Springs, FL 32043

$579,000$388/sqftEst. $3,082/moMLS# 2141548

Beds

Baths

1,492

Sq Ft

2014

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to your slice of Old Florida waterfront living, directly on the St Johns River! This move-in ready 3-bedroom, 2-bath home offers the perfect blend of comfort, space, and riverfront lifestyle-located in the secluded neighborhood of Eagle Creek in Palatka, Florida with no HOA. Step inside through the impressive double door entrance and enjoy a fully tiled interior-ideal for easy maintenance and Florida living. The spacious kitchen features a center island, perfect for entertaining or everyday meals, and flows seamlessly into the main living areas. Relax and unwind on the large screened-in porch, where you can take in peaceful views and coastal breezes year-round. Situated on a generous 1.16-acre lot, this property boasts approximately 100 feet of direct frontage on the St. Johns River. A long private dock leads you out to a covered boathouse complete with a boat lift and water, making it effortless to get out and enjoy life on the river.

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,925

Principal & Interest: $2,925

Est. Taxes & Insurance: $731

Estimated Total Monthly

$3,656

*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$3,082

Estimated total, before insurance$3,082/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

2025 property taxes (current owner): $7,838/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. Sources: Florida DOR certified tax roll, 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: Shingle — year not disclosed (home built 2014)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,682 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.