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Active

Active·35 days on market

118 Yacht Club Point

Green Cove Springs, FL 32043

$959,000$499/sqftEst. $5,104/moMLS# 2149795

Beds

Baths

1,920

Sq Ft

2020

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this Green Cove Springs Riverfront retreat. The far-reaching views up the St. Johns River are one of a kind. The custom Coastal Living designed home features 3 porches, oversized paver drive, lush landscaping, pavered back yard space, fire pit, Bermuda Shutters & decorative accent corbels under the eaves. Step through the front door & experience the waterfront view across the open plan with California style Kitchen framing the living area. The Owner Suite sits on the water side of the home with direct views from morning to night. Guest bedrooms are on the second floor with an additional upstairs porch & flex space. The community is gated, with pool, hot tub, grilling area and dock. Boat house with lift rated for 10k lb/30' boat, water and electric on site. Private community of 22 homesites in downtown Green Cove Springs. A small..

Cost to own

Mortgage calculator

Home Price

$959,000

Down Payment: 20%

$191,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Est. Taxes & Insurance: $1,211

Estimated Total Monthly

$6,055

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,104

Property taxesest. at asking price, Clay County$1,470

HOAbilled monthly$431

Estimated total, before insurance$7,005/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$565,323	$455,097	—
2024	$555,299	$441,564	—
2023	$562,103	$427,247	—
2022	$533,256	$413,347	—
2021	$389,988	$389,988	—
2020	$130,000	$130,000	—

2025 property taxes (current owner): $8,835/yr

Estimated taxes if purchased at asking price: ~$17,600/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 2020)

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

Solar potential: ~1,661 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 10, 2026Listed$959,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$959,000

Price / Sq Ft$499

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,920

Acres0.14 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address118 Yacht Club Point, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionGovernors Pointe Yacht Club

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size6,098.4 sq ft

Parcel Number38062601754600001

ZoningPUD

Amenities

AmenitiesPool, Boat Dock, Boat Slip, Spa/Hot Tub

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewRiver, Water

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate