Active·140 days on market
3003 Five Oaks Lane
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Welcome Home to Five Oaks! This 4 bedroom, 4 full bath home is just waiting for a new owner! Perfect cul-de-sac location! Spacious layout with room for everyone! Freshly painted inside and out! Beautiful engineered hardwood floors through living area, with tile in kitchen, baths & carpet in bedrooms! Formal dining room with wainscoting. Separate office/flex room downstairs, & additional flex space upstairs with ensuite bath! Kitchen features solid surface counters, stainless appliances, breakfast bar and breakfast nook! Primary bedroom with large ensuite offering a soaking tub, separate shower and walk-in closet! Crown molding throughout! Inside laundry with washer/dryer! Covered Lanai with built-in bar, perfect for entertaining! Conveniently located near shopping, restaurants, schools and more! *Seller is offering 10k towards buyer closing costs!*
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 (that applies to the reference bill above too).
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.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · Green Cove Springs unincorporated sewer customers · Public water (record)
County records show this parcel on central sewer served by Green Cove Springs unincorporated sewer customers — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,707 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $453,619 | $453,619 | — |
| 2024 | $447,246 | $183,410 | ▲ $29,201 |
| 2023 | $438,272 | $176,612 | — |
| 2022 | $323,034 | $170,012 | — |
| 2021 | $285,491 | $163,604 | — |
| 2020 | $276,800 | $160,655 | — |
2025 property taxes (current owner): $7,277/yr
Estimated taxes if purchased at asking price: ~$9,000/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 23, 2026Price change$489,000−$10,000
- May 8, 2026Listed$499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NEXTHOME COLLINS 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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Krista Fracke
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