Sold·Closed Sep 2, 2026·73 days on market
2826 Grand Finale Street
Green Cove Springs, FL 32043
About this home
Green Cove Springs
$10k PRICE REDUCTION! MOTIVATED SELLER! MOVE IN READY ON A PREMIUM WATERFRONT LOT & BETTER THAN BRAND NEW! Low HOA and NO CDD! This months-new home has already been elevated far beyond standard builder-grade finishes w/ thoughtful upgrades throughout. Gently lived in & truly turnkey, it features whole-house neutral designer paint, upgraded window treatments in the main living areas & primary suite, designer cabinet hardware throughout the kitchen & bathrooms, a Moen gooseneck kitchen faucet, & installed bath accessories the builder does not include. The complete LG appliance package and easy-care LVP flooring combine style with everyday functionality. Step outside to peaceful backyard water views with plenty of room to add a future pool while living in a community with highly rated schools & a neighborhood playground. Ideally located w/ convenient access to the First Coast Expy, this home is tucked within Green Cove Springs, a charming hidden gem town. Don't miss out on this!
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, 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,639 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $65,000 | $27,500 | — |
| 2024 | $25,000 | $25,000 | — |
Estimated taxes if purchased at asking price: ~$6,100/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
- Sep 2, 2026Closed$324,999
- Jul 23, 2026Active Under Contract$324,999
- Jul 9, 2026Price change$324,999−$9,001
- May 11, 2026Listed$334,000
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 $158/sq ft; this home is listed at $173/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3083 Grand Finale Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $329,985 | $152 | 4/3 | 2,172 | 87 | 0.2 |
| 2749 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $371,990 | $158 | 4/2.5 | 2,360 | 51 | 0.2 |
| 2745 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $330,000 | $181 | 4/2 | 1,821 | 74 | 0.2 |
| 2746 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $327,490 | $151 | 4/3 | 2,172 | 31 | 0.2 |
| 3091 Grand Finale Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $332,485 | $153 | 4/3 | 2,172 | 109 | 0.2 |
| 2735 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Sep 2026 | $315,870 | $213 | 3/2 | 1,484 | 88 | 0.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 2, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines