Active·51 days on market
20 N Vermont Avenue
Green Cove Springs, FL 32043
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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
Beautifully updated ranch-style home situated on a huge lot in Green Cove Springs! This 3-bedroom, 1-bath home features a durable metal roof, tile flooring throughout, and an updated kitchen with newer appliances. Updated light fixtures and a functional single-story layout create a bright and inviting interior. Outside, the oversized lot provides plenty of room for entertaining, gardening, additional parking, or future improvements. Move-in ready with plenty of potential--come see what this Green Cove Springs home has to offer!
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.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1995)
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: ~1,399 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $229,419 | $191,126 | — |
| 2024 | $197,377 | $173,751 | — |
| 2023 | $194,446 | $157,956 | — |
| 2022 | $173,298 | $143,597 | — |
| 2021 | $137,818 | $130,543 | — |
| 2020 | $118,676 | $118,676 | — |
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 (2025), NEFMLS.
History
Price & status history
- Sep 15, 2026Price change$239,000−$4,000
- Sep 3, 2026Price change$243,000−$2,000
- Aug 20, 2026Listed$245,000
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 $139/sq ft; this home is listed at $209/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 20 Vermont Avenue, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC | Feb 2026 | $225,000 | $197 | 3/1 | 1,145 | 9 | 0 |
| 219 S West Street, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC | Jul 2025 | $140,000 | $96 | 4/1.5 | 1,456 | 87 | 0.1 |
| 2 N Oakridge Avenue, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $140,000 | $139 | 3/1 | 1,008 | 17 | 0.2 |
| 1407 Spruce Street, Green Cove Springs, FL 32043Listed by COMPASS FLORIDA LLC | Jul 2026 | $110,000 | $100 | 3/1.5 | 1,104 | 0 | 0.2 |
| 101 S Oakridge Avenue, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $200,000 | $136 | 4/2.5 | 1,468 | 101 | 0.2 |
| 1534 Center Street, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Nov 2025 | $245,000 | $200 | 3/2 | 1,224 | 5 | 0.2 |
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: BRADFORD REAL ESTATE NETWORK 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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Text Krista about this home20+ years · 500+ closings · NE Florida
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