Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·9 days on market

161 Short Trail

Green Cove Springs, FL 32043

$625,000$272/sqftEst. $3,223/moMLS# 2157697

Beds

Baths

2,296

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Green Cove Springs

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. The chef's kitchen seamlessly integrates with the living space, boasting sleek stainless steel appliances and gorgeous granite countertops. Upstairs, the thoughtfully designed layout offers complete privacy, housing spacious bedrooms--including a truly huge bonus room/bedroom--providing five total bedrooms and three bathrooms with endless

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,223

Principal & Interest: $3,223

Property taxes (est.): $958

Insurance (est.): $417

Estimated Total Monthly

$4,597

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,223

Property taxesest. at asking price, Clay County$958

Estimated total, before insurance$4,181/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$11,500/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 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.

History