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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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Sold

Sold·Closed Jul 14, 2026·24 days on market

3570 Jims Court

Green Cove Springs, FL 32043

$500,000sold priceListed at $524,900 · 95.3% of asking$265/sqftMLS# 2148033
3
Beds
2
Baths
1,888
Sq Ft
2021
Built
6
Garage
No
Pool
FEMA Zone XNo HOA1.03 acresSingle Family Residence1 story

About this home

Green Cove Springs

This home built in 2021 is ready for a new owner. Water privilege to Black Creek for $20 year. Yard has sprinklers, landscaped with extra concrete circle drive. There are 2 RV or Boat covers. One has electric , water and its own 500 gal septic; the other has water and electric . Full Home Generac for any emergency. A separate workshop with power and wash up sink to keep anyone busy outside before going inside to relax in the comfort of home. The open concept allows anyone cooking to be a part of the family room activities. Eat in Kitchen as well as a Dining area for larger gathering. Owner suite is separate from the other 2 bedrooms. Use one for an office if you work from home. Separate inside Laundry and broom closet. A two car garage attached. Both front and back covered porches. Great for bar-b-que's and family gatherings. This is also a dead end street with a Black Creek at the end . No HOA No CDD. This is Living in the country close to the city

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,770
Property taxesest. at asking price, Clay County$766
Estimated total, before insurance$3,536/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,987/yr · $416/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

$500,000
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $766
Insurance (est.): $333
Estimated Total Monthly
$3,869
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 SPBC

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2021)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,688 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$408,995$292,925—
2024$400,231$283,963—
2023$399,264$274,236—
2022$313,931$263,251—
2021$20,400$20,400—
2020$20,400$20,400—

2025 property taxes (current owner): $4,987/yr

Estimated taxes if purchased at asking price: ~$9,200/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 14, 2026Closed$524,900
  • Jun 1, 2026Listed$524,900

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 $214/sq ft; this home is listed at $278/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3265 Thunder Road, Middleburg, FL 32068Listed by REAL BROKER LLCOct 2026$575,000$2453/22,350261.4
4060 Sunnyside Drive, Middleburg, FL 32068Listed by REAL BROKER LLCMar 2026$392,000$2144/21,83502.2
4056 Sunnyside Drive, Middleburg, FL 32068Listed by REAL BROKER LLCFeb 2026$399,900$2184/21,835112.2
3215 Robin Lane, Middleburg, FL 32068Listed by WATSON REALTY CORPAug 2026$220,000$1223/21,80042.3
4224 Deer Trail, Middleburg, FL 32068Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$259,900$1753/21,488542.3
3958 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCMar 2026$362,990$1904/21,908212.4

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

Price$524,900
Price / Sq Ft$278
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,888
Acres1.03 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages6
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighClay

Community Information

Address3570 Jims Court, Green Cove Springs, FL 32043
Area144-Middleburg-SE
SubdivisionThunder Road Acres
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size44,866.8 sq ft
Parcel Number07062501041200101
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached Carport, Carport, Circular Driveway, Garage, Garage Door Opener, RV Access/Parking, Shared Driveway

Interior

Interior FeaturesEat-in Kitchen, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne

Exterior

Exterior FeaturesFire Pit
Lot DescriptionDead End Street, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionVinyl Siding
Other StructuresWorkshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJune 1, 2026
Days on Market24
Tax Amount$4,987.12
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 14, 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.

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20+ years · 500+ closings · NE Florida

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