Active·60 days on market
1816 Oak Park Circle
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Beautiful custom built all brick waterfront pool home on over an acre lot. New roof April 2026. 4 bedroom/ 3 bath home with 4th bedroom currently used as a private office. Just off Black Creek with deepwater and close access to the St. John's river, yet out of boat traffic/wake areas. Great (No HOA) neighborhood in a private setting with no through traffic. Conveniently located near top-rated schools and the new First Coast Expressway. Home features high ceilings, crown moulding, formal living room with wood floors and a formal dining room with custom trim work. The large master suite has 2 walk in closets, a private bathroom with separate vanities, a shower and a garden tub. The bonus room includes cabinetry and a sink. Adjacent to the formal living and kitchen dining area is a sitting room that opens to the outdoor composite deck (over 700 sq ft) with outdoor kitchen and in ground pool. The laundry room offers ample cabinetry and a large sink. The family room has a fireplace
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $514,547 | $302,972 | — |
| 2024 | $510,465 | $293,726 | — |
| 2023 | $504,106 | $283,715 | — |
| 2022 | $458,810 | $273,996 | — |
| 2021 | $403,636 | $264,560 | — |
| 2020 | $387,701 | $260,217 | — |
2025 property taxes (current owner): $5,140/yr
Estimated taxes if purchased at asking price: ~$17,200/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.
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
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: ~1,709 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.
History
Price & status history
- Jun 6, 2026Listed$935,000
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: MAXXUM REALTY SERVICES, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines