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Active

Active·26 days on market

101 Yacht Club Point

Green Cove Springs, FL 32043

$664,900$262/sqftEst. $3,539/moMLS# 2150279

Beds

Baths

2,540

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

**1% CREDIT TOWARDS RATE BUY-DOWN WITH LOAN WOLF LENDING **PRIVATE BOAT SLIP**1ST FLOOR PRIMARY SUITE** Why wait for new construction? This gorgeous, immaculately maintained 5 bed/4 bath home offers a cozy and modern vibe right on the Saint Johns River! Nestled in a GATED COMMUNITY, you'll love having a RIVER VIEW from your front yard and a peaceful POND VIEW from the backyard! Protection is unmatched with a 50 YEAR METAL ROOF and a pristine paver driveway. Inside, an abundance of light creates a bright, welcoming atmosphere across an elegant SPLIT BEDROOM FLOOR PLAN. The main living areas boast beautiful LVP flooring, leading to a gorgeous kitchen featuring stylish white shaker cabinets, granite countertops, and stainless steel appliances. Relax in the 1st fl primary suite, or enjoy the massive 32x25 4 CAR TANDEM GARAGE--perfect for cars, golf carts, & boat storage! Plus, there's a LARGE ATTIC offering tons of storage. Step out onto the paver patio overlooking the pond

Cost to own

Mortgage calculator

Home Price

$664,900

Down Payment: 20%

$132,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,359

Principal & Interest: $3,359

Est. Taxes & Insurance: $840

Estimated Total Monthly

$4,198

*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$3,539

Property taxesest. at asking price, Clay County$1,019

HOAbilled monthly$431

Estimated total, before insurance$4,989/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	$660,069	$478,163	—
2024	$611,981	$463,980	—
2023	$523,000	$449,010	▼ $96,636
2022	$75,000	$75,000	—
2021	$60,000	$60,000	—
2020	$60,000	$60,000	—

2025 property taxes (current owner): $9,250/yr

Estimated taxes if purchased at asking price: ~$12,200/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 A

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

Roof: Metal — year not disclosed (home built 2022)

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

Solar potential: ~1,754 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

Jul 15, 2026Price change$664,900−$10,000
Jul 7, 2026Price change$674,900−$100
Jun 19, 2026Listed$675,000

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

Features

Price$664,900

Price / Sq Ft$262

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,540

Acres0.13 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryCharles E. Bennett

MiddleGreen Cove Springs

HighClay

Community Information

Address101 Yacht Club Point, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionGovernors Pointe Yacht Club

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size5,662.8 sq ft

Parcel Number38062601754600011

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Boat Dock, Boat Slip, Clubhouse, Gated, Spa/Hot Tub

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourceWell

ParkingAttached, Garage

ViewPond, River

Waterfront TypeNavigable Water, River Access

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate