$381,500Sold4 bd · 2 ba · 2,188 sq ft
Sold·Closed Sep 24, 2026·57 days on market
3023 Five Oaks Lane
Green Cove Springs, FL 32043
About this home
Green Cove Springs
You don't want to miss this beautifully maintained 4-bedroom, 2-bath home located in a desirable area of Green Cove Springs! Offering over 2,000 square feet of living space, this home features a separate living room and formal dining room, providing plenty of room for entertaining and everyday living. The spacious kitchen includes an island, huge walk-in pantry, and opens to the family room with a cozy fireplace. Sliding glass doors lead to a screened porch, perfect for enjoying Florida's year-round weather. Recent updates include a new roof, 2-year-old HVAC system, new flooring, and a newer water heater, providing peace of mind for years to come. Conveniently located near shopping, dining, schools, and major roadways, this move-in-ready home combines comfort, space, and value. Schedule your showing today!
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).
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · Green Cove Springs unincorporated sewer customers · Public water (record)
County records show this parcel on central sewer served by Green Cove Springs unincorporated sewer customers — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,660 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.
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 beach parking
Guana Reserve beach lot (middle)about 22 mi · 80 parking spaces
Closest park or preserve
Alpine Groves Parkabout 5 mi · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creekabout 1.0 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 1 mi · Saint Johns River - Black Creek
Closest grocery store
Publixabout 6 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 | $363,419 | $160,370 | — |
| 2024 | $358,415 | $155,143 | ▲ $22,398 |
| 2023 | $351,379 | $149,168 | — |
| 2022 | $257,992 | $143,367 | — |
| 2021 | $227,058 | $137,735 | — |
| 2020 | $220,276 | $135,143 | — |
2025 property taxes (current owner): $2,965/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
History
Price & status history
- Sep 26, 2026Closed$389,900
- Aug 8, 2026Active Under Contract$389,900
- Jul 31, 2026Price change$389,900−$5,100
- Jul 8, 2026Price change$395,000−$5,000
- Jun 12, 2026Listed$400,000
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 $200/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3292 Cypress Walk Place, Green Cove Springs, FL 32043Listed by MOMENTUM REALTY | Sep 2026 | $460,000 | $195 | 4/3 | 2,361 | 42 | 1 |
| 3034 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $600,000 | $211 | 5/4 | 2,839 | 90 | 1 |
| 3011 Free Bird Loop, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTY | Aug 2026 | $438,000 | $193 | 4/2 | 2,275 | 71 | 1.1 |
| 3249 Maryland Avenue, Green Cove Springs, FL 32043Listed by WATSON REALTY CORP | Oct 2026 | $358,000 | $199 | 3/2 | 1,802 | 51 | 1.2 |
| 3311 Southern Oaks Drive, Green Cove Springs, FL 32043Listed by MOMENTUM REALTY | Sep 2026 | $860,000 | $330 | 3/3 | 2,607 | 20 | 1.2 |
| 3255 Maryland Avenue, Green Cove Springs, FL 32043Listed by PLANTANA REALTY, INC. | Aug 2026 | $445,000 | $200 | 3/2.5 | 2,220 | 11 | 1.2 |
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: UNITED REAL ESTATE GALLERY
Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (buyer's brokerage)
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
This home sold on Sep 24, 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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Is this home priced right?
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