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Pending

Pending·26 days on market

2315 Conciliation Lane

Green Cove Springs, FL 32043

$599,000$210/sqftEst. $3,054/moMLS# 2152891

Beds

Baths

2,856

Sq Ft

1995

Built

Garage

Pool

About this home

Green Cove Springs

Discover this fully renovated 5-bedroom, 3-bathroom sanctuary, set on 1.36 private acres with zero HOA fees, offering you complete freedom. The heart of the home is a beautifully updated kitchen featuring modern finishes, ample storage, and generous counter space, ideal for both daily meals and hosting. Enhanced for comfort, the home includes a water filtration system, a MERV 13 air filter, an air scrubber, and a private sauna. The expansive layout includes a flexible in-law suite, perfect for extended family, guests, or a quiet home office. Step outside to your private oasis, where a refreshing pool awaits on the large screened-in patio--your ultimate spot for weekend relaxation. Conveniently located near the First Coast Expressway, you are just a short drive from local shopping, dining, the scenic St. Johns River, and outdoor favorites like the Black Creek Ravines Conservation Area.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,054

Principal & Interest: $3,054

Property taxes (est.): $918

Insurance (est.): $399

Estimated Total Monthly

$4,371

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$3,054

Property taxesest. at asking price, Clay County$918

Estimated total, before insurance$3,972/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,589/yr · $632/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, 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

Last sold: $530,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$514,217	$463,495	—
2024	$467,462	$467,462	—
2023	$445,594	$343,050	—
2022	$419,884	$325,237	—
2021	$371,394	$270,963	—
2020	$361,210	$266,532	—

2025 property taxes (current owner): $7,589/yr

Estimated taxes if purchased at asking price: ~$11,000/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.

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 1995)

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

Sewer records conflict — verify

The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,720 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

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 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