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Active

Active·2 days on market

850 Cooks Lane

Green Cove Springs, FL 32043

$275,000$220/sqftEst. $1,402/moMLS# 2156404

Beds

Baths

1,248

Sq Ft

1977

Built

—

Garage

Pool

About this home

Green Cove Springs

Looking for space, privacy, and endless potential? This 3-bedroom, 1.5-bath brick home offers 1,248 sq ft of comfortable living on an expansive 0.87-acre lot in the heart of Green Cove Springs! Built in 1977, this property is perfect for homeowners looking to create their dream home. The durable brick exterior provides timeless appeal, while the oversized lot offers plenty of room for outdoor entertaining, gardening, parking your RV or boat, or even future improvements. Enjoy the peaceful surroundings while being just minutes from the beautiful St. Johns River, local parks, shopping, dining, and everyday conveniences. With well and septic already in place, you'll enjoy added independence and lower utility costs. If you're looking for your next home, this property is packed with potential. Opportunities like this don't stay on the market for long--schedule your showing today and submit your best offer before it's gone!

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,402

Principal & Interest: $1,402

Property taxes (est.): $421

Insurance (est.): $183

Estimated Total Monthly

$2,007

*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$1,402

Property taxesest. at asking price, Clay County$421

Estimated total, before insurance$1,824/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,039/yr · $87/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): $1,039/yr

Estimated taxes if purchased at asking price: ~$5,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Metal — year not disclosed (home built 1977)

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

Solar potential: ~1,625 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