850 Cooks Lane

• • 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).

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 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.

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.

• Sep 2, 2026Price change$379,900−$3,419,100
• Sep 2, 2026Listed$3,799,000

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

• 

  For Sale

  24099 W Nfr 209 W

  Olustee, FL 32072

  3 bd · 2.5 ba · 1,776 sq ft

  $379,900Est. $2,022/mo

  Welcome to a truly rare find on beautiful Ocean Pond,with 1800 acres of water nestled along the edge of the Osceola…

  Listing Office: thomas r rhoden agency, inc

• 

  For Sale

  334 Paradise Circle

  Satsuma, FL 32189

  3 bd · 2 ba · 1,923 sq ft

  $379,999Est. $2,023/mo

  A true haven for fishing enthusiasts and nature lovers alike, this exceptional 3BR/ 2BA home offers 100' of frontage on…

  Listing Office: coldwell banker ben bates inc

• 

  Pending

  33485 Meadows Lane

  Callahan, FL 32011

  3 bd · 2 ba · 1,386 sq ft

  $380,000Est. $2,023/mo

  ACCEPTING BACK UP CONTRACTS An exceptional opportunity to own two beautiful properties totaling 4.53 acres on…

  Listing Office: cb isaac realty

• 

  For Sale

  2098 Hermitage Place

  Middleburg, FL 32068

  3 bd · 2 ba · 1,512 sq ft

  $378,000Est. $2,012/mo

  Zero Down Payment Financing Available for Qualified Buyers (USDA Eligible). One Acre. NO HOA. Built in 2023. This…

  Listing Office: herron real estate llc

• 

  For Sale

  3890 Holstein Way

  Green Cove Springs, FL 32043

  4 bd · 3 ba · 2,289 sq ft

  $381,990Est. $2,033/mo

  Listing Office: olympus executive realty, inc

  in Amberly
• 

  For Sale

  3312 Willowleaf Lane

  Green Cove Springs, FL 32043

  4 bd · 3 ba · 2,190 sq ft

  $399,490Est. $2,126/mo

  Listing Office: olympus executive realty, inc

  in Hyland Trail