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Active Under Contract

Active Under Contract·13 days on market

708 Myrtle Avenue

Green Cove Springs, FL 32043

$529,000$173/sqftEst. $2,697/moMLS# 2154732

Beds

Baths

3,061

Sq Ft

1949

Built

—

Garage

Pool

About this home

Green Cove Springs

** Seller is offering $10,000 credit towards buyers closing cost** Recent 4 point & Wind mit reports will show all plumbing and all electrical has been updated, both HVAC units 2025, 2023 Roof, both water heaters 2025. Restored mid-century home with full detached separate in-law quarters. Home perfectly situated just one block from the St. Johns River in the heart of beautiful Green Cove Springs. Blending timeless character with modern elegance, this multi-generational property offers exceptional versatility with two beautifully updated residences on one serene homesite. The main home features five spacious bedrooms and three full bathrooms. Its fully renovated kitchen is a showpiece, showcasing custom white shaker cabinetry, quartz countertops, a large center island, and premium stainless-steel appliances.

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,697

Principal & Interest: $2,697

Property taxes (est.): $811

Insurance (est.): $353

Estimated Total Monthly

$3,861

*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$2,697

Property taxesest. at asking price, Clay County$811

Estimated total, before insurance$3,508/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,378/yr · $282/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

Year	Market value	Taxable value	Change
2024	$335,862	$147,039	—
2023	$314,986	$141,300	—
2022	$276,763	$135,729	—

2025 property taxes (current owner): $3,378/yr

Estimated taxes if purchased at asking price: ~$9,700/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 (2024), 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,419 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.

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

Price & status history

Jul 16, 2026Active Under Contract$529,000
Jul 10, 2026Listed$529,000

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

Features

Price$529,000

Price / Sq Ft$173

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage3,061

Acres0.24 acres

Year Built1949

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch, Mid-Century Modern

Property ConditionUpdated/Remodeled

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Community Information

Address708 Myrtle Avenue, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionGreen Cove

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size10,454.4 sq ft

Parcel Number38062601799000000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LaundryElectric Dryer Hookup, In Unit