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

Active·19 days on market

1644 Warfield Avenue

Green Cove Springs, FL 32043

$82,990Est. $460/moMLS# 2165780
0
Beds
0
Baths
0
Sq Ft
2000
Built
—
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence

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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

Beautiful 1.1-acre fully cleared lot ready for your dream home! This property features a stunning, majestic oak tree perfectly positioned in the center, offering natural beauty and shade. Major improvements already completed: Well, septic, and power in place (power currently active) Property is fully cleared and ready to build Fenced on the front and both sides Active single-family home permit (3 bed / 2 bath) Impact fees already paid -- huge savings! Build the currently permitted home or bring your own plans and build without paying additional county impact fees. Septic is been approved for new home by Health department. It s ok for mobile homes as well. Just bring your mobile home. The property has a brand-new power pole installed approximately one year ago, the well received a new 1hp well pump last year and is fully operational, the septic tank was pumped a little over a year ago, the lot may be eligible for manufactured or mobile.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$460
Property taxesest. at asking price, Clay County$127
Estimated total, before insurance$587/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$799/yr · $67/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

$82,990
$16,598
Loan Term
Monthly Payment
$460
Principal & Interest: $460
Property taxes (est.): $127
Insurance (est.): $55
Estimated Total Monthly
$642
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

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 2000)

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

Solar potential: ~1,172 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 home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $799/yr

Estimated taxes if purchased at asking price: ~$1,500/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.

History

Price & status history

  • Sep 21, 2026Listed$82,990

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4320 Audubon Avenue, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCAug 2026$374,850$2114/21,774500.4
4522 White Ibis Lane, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCSep 2026$375,040$2114/21,774260.5
1338 Little Heron Place, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCSep 2026$383,850$1784/2.52,160600.5
4308 Audubon Avenue, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCSep 2026$374,000$2114/21,774790.5
4510 White Ibis Lane, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCSep 2026$372,850$2104/21,774530.5
4312 Audubon Avenue, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCSep 2026$400,850$1975/32,030270.5

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.

Features

Price$82,990
Bedrooms0
Bathrooms0.00
Full Baths0
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address1644 Warfield Avenue, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionBayard Tract
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number38062601655900402

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Available
SewerSeptic Tank
Water SourceWell
ParkingParking Lot, RV Access/Parking

Interior

AppliancesOther
CoolingNone
# of Stories0

Exterior

Other StructuresOther

Additional Information

Date ListedSeptember 21, 2026
Days on Market0
Tax Amount$798.56
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INI REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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