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Active

Active·74 days on market

1325 Spruce Street

Green Cove Springs, FL 32043

$250,000$183/sqftEst. $1,385/moMLS# 2157338

Beds

Baths

1,369

Sq Ft

2003

Built

Garage

Pool

FEMA Zone XNo HOA7,405 sqft lotSingle Family Residence1 story

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About this home

Green Cove Springs

ASSUMABLE LOAN OPPORTUNITY! Take advantage of the seller's existing loan with an attractive 2.75% interest rate, with a balance of $171,607 subject to lender approval and buyer qualification. Welcome to 1325 Spruce St, Green Cove Springs! Nestled in the established Shands community with no HOA, this charming home offers the perfect opportunity for first-time buyers, investors, or anyone looking to add their own personal touch. With a functional layout, spacious yard, and great bones, this home is ready for your vision. A few cosmetic updates can truly transform the space and build instant equity. The oversized backyard provides plenty of room for entertaining, pets, or even a future pool. Conveniently located just minutes from historic downtown Green Cove Springs, the St. Johns River, parks, shopping, dining, and schools, this home offers the perfect combination of location, value, and potential. Don't miss your chance to make it your own!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,385

Property taxesest. at asking price, Clay County$383

Estimated total, before insurance$1,768/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,075/yr · $173/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$1,385

Principal & Interest: $1,385

Property taxes (est.): $383

Insurance (est.): $167

Estimated Total Monthly

$1,935

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2003)

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

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: ~1,535 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,075/yr

Estimated taxes if purchased at asking price: ~$4,600/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.

History

Price & status history

Jul 28, 2026Listed$250,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $159/sq ft; this home is listed at $183/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
1407 Spruce Street, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC	Jul 2026	$110,000	$100	3/1.5	1,104	0	0.1
1165 Martin Luther King Jr Boulevard, Green Cove Springs, FL 32043Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY	Sep 2026	$270,000	$214	3/2	1,262	264	0.3
1181 Martin Luther King Jr Boulevard, Green Cove Springs, FL 32043Listed by CRYSTAL CLEAR REALTY, LLC	Sep 2026	$275,000	$217	3/2	1,270	197	0.3
2 N Oakridge Avenue, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC	Sep 2026	$140,000	$139	3/1	1,008	17	0.3
363 Roberts Street N, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTY	Jul 2026	$229,999	$159	4/2	1,444	48	0.3
3 Citizen Street, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTY	Aug 2026	$205,000	$146	4/1.5	1,400	12	0.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$250,000

Price / Sq Ft$183

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,369

Total Structure Area1,369 sq ft

Acres0.17 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionFixer

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryCharles E. Bennett

MiddleGreen Cove Springs

HighClay

Community Information

Address1325 Spruce Street, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionShands Platt

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,405.2 sq ft

Parcel Number38062601829900116

ZoningResidential

Amenities

Community FeaturesSidewalks, Street Lights

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

Exterior

FencingFull, Wood

RoofShingle

ConstructionVinyl Siding

Road FrontageCity Street

Additional Information

Date ListedJuly 28, 2026

Days on Market69

Tax Amount$2,075.49

Tax Year2025

Listing TermsAssumable, Cash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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