Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active Under Contract

Active Under Contract·89 days on market

5162 Sweat Road

Green Cove Springs, FL 32043

$164,990$172/sqftEst. $847/moMLS# 2146903

Beds

Baths

960

Sq Ft

1999

Built

—

Garage

Pool

About this home

Green Cove Springs

Back on market, buyer got cold feet. This remodel 1999 manufactured home offers 2 bedrooms, 2 full baths, and 960 sq ft on .38 acres. This 16ft extra-wide singlewide sits on a county-maintained dirt road just 5 minutes from the new First Coast Expressway on-ramp for an easy commute. The home has been remodeled with new metal roof, new flooring, fresh paint inside and out, new appliances, and the yard has been sodded and professionally landscaped. This is a 2nd set manufactured home, meaning it was moved from its original setup location, so financing options are limited to Cash, VA, or specialty conventional loans only. The setup has been fully permitted by the county and the Certificate of Occupancy is uploaded. Need financing? Reach out and I can connect you with lenders familiar with these types of homes.

Cost to own

Mortgage calculator

Home Price

$164,990

Down Payment: 20%

$32,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$847

Principal & Interest: $847

Property taxes (est.): $253

Insurance (est.): $110

Estimated Total Monthly

$1,210

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.65% · 30yr$847

Property taxesest. at asking price, Clay County$253

Estimated total, before insurance$1,100/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.

Cost to own

Taxes & assessment

Last sold: $38,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$20,000	$20,000	—
2024	$20,000	$20,000	—
2023	$20,000	$20,000	—
2022	$11,000	$11,000	—
2021	$17,000	$17,000	—
2020	$17,000	$0	—

2025 property taxes (current owner): $305/yr

Estimated taxes if purchased at asking price: ~$3,000/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.

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: Metal — year not disclosed (home built 1999)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,416 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 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.

History