Active Under Contract·73 days on market
120 Governor Street 101
Green Cove Springs, FL 32043
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
Stunning Fully Remodeled Waterfront Condo with Boat Lift & Direct St. Johns River Access! Welcome to this exceptional 2-bdrm, 2-bath residence that has been completely transformed for modern waterfront living. Step inside to discover an all-new kitchen featuring custom cabinetry, granite countertops, stainless appliances, and updated fixtures. New flooring flows throughout the home, creating a fresh, cohesive feel. The living area is anchored by a beautiful extended-length electric fireplace with a custom stone backdrop--perfect for cozy evenings. Both bathrooms have been fully remodeled with new vanities, sinks, shower surrounds, and fixtures. Enjoy even more living space in the two fully enclosed, attached Florida rooms--ideal for relaxing, entertaining, or simply soaking in the sunshine! In addition to the dock, boat lift and river access, residents can also enjoy the community pool and clubhouse! Move in ready! Just bring your boat, kayaks and fishing rods!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1985)
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: ~1,717 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,165/yr
Estimated taxes if purchased at asking price: ~$4,400/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
- Sep 29, 2026Active Under Contract$237,000
- Jul 29, 2026Listed$237,000
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 $177/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 118 Governor Street 208, Green Cove Springs, FL 32043Listed by THE WILKINS WAY | Jul 2026 | $210,000 | $175 | 2/2 | 1,200 | 73 | 0 |
| 132 Governor Street 105, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Jun 2026 | $290,000 | $223 | 2/2.5 | 1,300 | 0 | 0 |
| 4247 Migration Way, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INC | Sep 2026 | $229,940 | $157 | 3/2.5 | 1,468 | 155 | 2.4 |
| 1314 Quiet Roost Place, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INC | Sep 2026 | $254,228 | $173 | 3/2.5 | 1,468 | 142 | 2.4 |
| 4251 Migration Way, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INC | Aug 2026 | $294,000 | $196 | 3/2.5 | 1,503 | 92 | 2.4 |
| 1310 Quiet Roost Place, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INC | Jul 2026 | $259,940 | $177 | 3/2.5 | 1,468 | 100 | 2.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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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