$359,0003 bd · 2.5 ba · 2,096 sq ft
Active·151 days on market
2826 Southern Fern Court
Green Cove Springs, FL 32043
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
Lot 122 - The Riley floorplan offers impressive space in a smart, efficient layout. The main level features an open living area with a designer kitchen, dining space, and Great Room, plus an expansive walk-in pantry that wraps under the stairs for standout storage. Upstairs, a spacious loft adds flexible living space for a teen zone, media room, or family hangout. The luxurious owner's suite includes a dual-sink bath, linen closet, and large walk-in closet. Bedrooms 2 and 3 share a full bath, and the upstairs laundry adds everyday convenience. Located in Sandridge Hills in Clay County, the community offers modern living with planned amenities including a pool, cabana, dog park, and green spaces, just minutes from shopping, dining, medical services, and the First Coast Expressway.
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.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,384 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Alpine Groves Parkabout 8 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 3 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 4 mi · Saint Johns River - Black Creek
Closest grocery store
Publixabout 10 mi · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $25,000 | $25,000 | — |
Estimated taxes if purchased at asking price: ~$6,600/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.
History
Price & status history
- Oct 23, 2026Price change$359,000−$15,990
- Sep 25, 2026Price change$374,990−$2,000
- Sep 17, 2026Price change$376,990−$1,010
- Aug 14, 2026Price change$378,000−$1,000
- Jul 30, 2026Price change$379,000−$3,500
- Jul 13, 2026Price change$382,500−$500
- Jun 12, 2026Listed$383,000
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 $191/sq ft; this home is listed at $171/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2821 Southern Fern Court, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Oct 2026 | $370,000 | $185 | 3/2 | 2,003 | 128 | 0 |
| 3087 Grand Finale Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Nov 2026 | $319,942 | $176 | 4/2 | 1,821 | 161 | 0.2 |
| 2732 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Oct 2026 | $357,990 | $165 | 4/3 | 2,172 | 2 | 0.3 |
| 3112 Grand Finale Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Oct 2026 | $347,990 | $191 | 4/2 | 1,821 | 13 | 0.3 |
| 2620 Field Daisy Lane, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Oct 2026 | $389,990 | $206 | 3/2 | 1,897 | 209 | 0.6 |
| 2628 Field Daisy Lane, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Oct 2026 | $388,990 | $200 | 4/3 | 1,943 | 27 | 0.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
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
Broker Associate
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