Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·8 days on market

5864 Sweet Moody Road

Green Cove Springs, FL 32043

$425,000$271/sqftEst. $2,192/moMLS# 2155360

Beds

Baths

1,568

Sq Ft

1995

Built

—

Garage

Yes

Pool

About this home

Green Cove Springs

OVER 9 ACRES FULLY FENCED AND READY FOR ITS NEXT OWNERS. If you've been looking for acreage for your family homestead, farm or horses look no further. This beautifully updated property offers peaceful living with endless possibilities. The move-in ready home features a stunning renovated kitchen with abundant cabinetry, stainless appliances, a center island, solid-surface flooring, new paint, new carpet in bedrooms, updated bathrooms, newer A/C, newer water heater, and a brand-new roof to be installed before closing. Outside, enjoy an above-ground pool with deck, spacious back patio overlooking the property, storage sheds, an additional pole barn with a concrete pad, small bar, inflatable hot tub, a pond, thousands of dollars of fencing and plenty of room for horses, livestock, or your dream mini farm. This rare property offers the space, privacy, and country lifestyle you've been searching for!

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,126

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,192

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,843/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$813/yr · $68/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

2025 property taxes (current owner): $813/yr

Estimated taxes if purchased at asking price: ~$7,800/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, 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.

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,645 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