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3095 Goose Creek Lane

Green Cove Springs, FL 32043

$635,000$515/sqftEst. $3,238/moMLS# 2156681

Beds

Baths

1,232

Sq Ft

1998

Built

Garage

Pool

About this home

Green Cove Springs

Priced to Sell! Experience the best of country living on this beautiful 5+ acre property, perfect for a farm, garden, or equestrian lifestyle. Previously operated as a horse property, it is already equipped with fencing, established pasture, and extensive owner improvements, including land grading and pasture development. The charming ranch-style home offers 3 spacious bedrooms, 2 bathrooms, and a fully renovated, oversized kitchen overlooking the backyard and acreage. Major updates include a 2018 roof, new HVAC (2026), and a private artesian well. The property also features well, septic, and electricity already in place. Enjoy mature trees, high-and-dry land, and direct access to the St. Johns River through navigable Peter's Creek and Black Creek, making it ideal for boating, fishing, & outdoor recreation. Whether you're seeking a peaceful country retreat, hobby farm, or turnkey equestrian property, this exceptional property offers endless possibilities with the perfect combination.

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,238

Principal & Interest: $3,238

Property taxes (est.): $973

Insurance (est.): $423

Estimated Total Monthly

$4,634

*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$3,238

Property taxesest. at asking price, Clay County$973

Estimated total, before insurance$4,211/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,623/yr · $469/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): $5,623/yr

Estimated taxes if purchased at asking price: ~$11,700/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2018 per the listing

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

Solar potential: ~1,771 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

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