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Active

Active·54 days on market

161 Short Trail

Green Cove Springs, FL 32043

$592,500$258/sqftEst. $3,138/moMLS# 2157697
↓ $32,500 below original list
5
Beds
3
Baths
2,296
Sq Ft
2000
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA1.02 acresSingle Family Residence2 stories

About this home

Green Cove Springs

**BUYER INCENTIVE! Seller is offering up to $7,500 toward Buyer's allowable closing costs and/or prepaid expenses with an acceptable offer. Ask your lender how these funds may help reduce your cash needed at closing.** Welcome to the ultimate rustic-luxury sanctuary--where true country homesteading meets modern convenience!Nestled on a completely private, fully fenced one-acre lot, this enchanting farmhouse offers an extraordinary lifestyle surrounded by tranquility, all while sitting just steps away from everyday modern amenities. From the moment you arrive, the magnificent double-decker front porch under a timeless metal roof sets a tone of classic southern charm. Step inside to discover a warm, open-concept lower level featuring stunning wood floors, character-filled details at every turn, and a cozy gas fireplace that serves as the heart of the home.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$3,138
Property taxesest. at asking price, Clay County$908
Estimated total, before insurance$4,046/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,320/yr · $360/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

$592,500
$118,500
Loan Term
Monthly Payment
$3,138
Principal & Interest: $3,138
Property taxes (est.): $908
Insurance (est.): $395
Estimated Total Monthly
$4,441
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: Metal — year not disclosed (home built 2000)

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

Septic system (public record) · Public water · Clay County Utilities

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: ~1,720 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,320/yr

Estimated taxes if purchased at asking price: ~$10,900/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 4, 2026Active$592,500
  • Aug 29, 2026Active Under Contract$592,500
  • Aug 26, 2026Price change$592,500−$2,500
  • Aug 11, 2026Price change$595,000−$30,000
  • Jul 30, 2026Listed$625,000

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

Features

Price$592,500
Price / Sq Ft$258
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,296
Acres1.02 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

Community Information

Address161 Short Trail, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionLake Asbury
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size44,431.2 sq ft
Parcel Number21052500985400100
ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingGarage, Garage Door Opener, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan
AppliancesDishwasher, Disposal, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesBalcony, Fire Pit, Other
Lot DescriptionAgricultural, Cleared
Patio / PorchCovered, Porch, Screened
FencingFenced
RoofMetal
ConstructionVinyl Siding
Other StructuresBarn(s), Shed(s)

Additional Information

Date ListedJuly 30, 2026
Days on Market36
Tax Amount$4,320.48
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · Marla@marlanewmangroup.com

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

Krista Fracke

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