$1,030,0004 bd · 3 ba · 2,726 sq ft
Active·98 days on market
5369 Deer Island Road
Green Cove Springs, FL 32043
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
Wake up to river views every day! This stunning 4-bedroom, 3-bathroom home sits on 1.2 sprawling acres directly on the St. Johns River, a rare opportunity for nature lovers, boaters, and anyone who loves to entertain. Inside, you'll find a beautiful wooden staircase, a double-sided fireplace, a gas stove, and central air. Enjoy Florida living at its finest on the huge screened back porch, complete with an additional patio and pergola -- perfect for morning coffee or evening gatherings. A brand new well pump, full-home Generac generator, and covered outdoor grilling area add everyday comfort and peace of mind. Head up to the second-floor open patio for even more breathtaking river views and unforgettable sunsets. Located just minutes from Historic Green Cove Springs, you'll enjoy small-town charm and local dining while still having your own private riverfront retreat. Don't miss this rare chance to own a slice of the St. Johns River!
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 AE — high-risk flood zone (Special Flood Hazard Area) (the whole 1.2-acre lot)
Lenders require flood insurance for financed purchases here.
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: Metal — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
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: ~1,543 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.
As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
South Ponte Vedra Recreation Areaabout 19 mi · 24 parking spaces
Closest park or preserve
Alpine Groves Parkabout 12 mi · 1 mi of trails
Closest public boat ramp
Williams Park Boat Rampabout 0.6 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 0.1 mi · Saint Johns River
Closest grocery store
Publixabout 9 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,781/yr
Estimated taxes if purchased at asking price: ~$18,900/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
- Nov 1, 2026Price change$1,030,000−$20,000
- Sep 10, 2026Price change$1,050,000−$35,000
- Aug 4, 2026Listed$1,085,000
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 $368/sq ft; this home is listed at $378/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5299 Deer Island Road, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTY | Oct 2025 | $1,075,000 | $480 | 3/2.5 | 2,241 | 179 | 0.4 |
| 5577 Dianthus Street, Green Cove Springs, FL 32043Listed by KAHLE COMMERCIAL GROUP, INC | Jun 2025 | $855,000 | $368 | 3/2 | 2,324 | 20 | 0.7 |
| 5592 Dianthus Street, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLE | Dec 2025 | $451,000 | $212 | 4/3 | 2,123 | 152 | 0.8 |
| 387 Cassia Street, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Jun 2025 | $525,000 | $206 | 5/4 | 2,552 | 54 | 1 |
| 124 River Plantation Road N, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $1,250,000 | $370 | 4/2.5 | 3,375 | 23 | 1.7 |
| 5193 County Road 209 S, Green Cove Springs, FL 32043Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jan 2026 | $335,000 | $145 | 4/2 | 2,312 | 3 | 1.8 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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.
Keep looking
Similar homes in Green Cove Springs
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines