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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$935,0004 bd · 3 ba · 3,113 sq ft

Active·70 days on market

4120 Riverview Circle

Green Cove Springs, FL 32043

$935,000$300/sqftEst. $5,098/mo mortgageMLS# 2162994
4
Beds
3
Baths
3,113
Sq Ft
2022
Built
3
Garage
No
Pool
FEMA Zone XHOA $100/mo1.13 acresSingle Family Residence1 story

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

Experience the perfect blend of luxury, space, and privacy in this stunning 2022-built home situated on over an acre. Featuring 4 spacious bedrooms, 3 full bathrooms, and a 3-car garage, this thoughtfully designed home offers an open, inviting layout with beautiful luxury vinyl plank flooring throughout the main living areas and tile flooring in the bathrooms. The kitchen is truly the heart of the home, showcasing premium Wolf appliances and upscale finishes perfect for everyday living and entertaining. A whole-home generator provides added comfort and peace of mind year-round. Step outside to the spacious screened-in patio and outdoor kitchen, creating the perfect setting for entertaining, grilling, or relaxing while enjoying the privacy of your oversized property. With over an acre, there's plenty of room to spread out and enjoy the freedom of having your own private retreat. Conveniently located near 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.

Principal & interest20% down · 7.24% · 30yr$5,098
Property taxesest. at asking price, Clay County$1,402
HOAbilled annually$100
Estimated total, before insurance$6,600/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,155/yr · $763/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

$935,000
$187,000
Loan Term
Monthly Payment
$5,098
Principal & Interest: $5,098
Property taxes (est.): $1,402
Insurance (est.): $623
Estimated Total Monthly
$7,123
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (the whole 1.1-acre lot)

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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,413 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.

As of September 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.

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

YearMarket valueTaxable valueChange
2026$682,023$582,126—

2025 property taxes (current owner): $9,155/yr

Estimated taxes if purchased at asking price: ~$16,800/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 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Sep 2, 2026Listed$935,000

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 $272/sq ft; this home is listed at $300/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
540 State Road 16 W, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTYApr 2026$610,000$2723/22,2401670.1
3972 Clark Road, Green Cove Springs, FL 32043Listed by THE WILKINS WAYNov 2026$600,000$2574/2.52,338760.2
5228 River Park Villas Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$585,000$2324/2.52,519442.4
76 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$755,270$3433/2.52,20012.5
62 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCApr 2026$1,110,257$3705/33,000132.5
164 Oakmoss Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCApr 2026$734,000$2534/32,9002782.5

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

Price$935,000
Price / Sq Ft$300
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,113
Acres1.13 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address4120 Riverview Circle, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionRiver Oaks Estates
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size49,222.8 sq ft
Parcel Number47062701647500201
ZoningResidential

Amenities

UtilitiesElectricity Connected, Propane
SewerSeptic Tank
Water SourcePrivate, Well
ParkingGarage, Garage Door Opener
ViewPond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionCul-De-Sac
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedSeptember 2, 2026
Days on Market70
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Tax Amount$9,154.57
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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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