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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

$522,4654 bd · 3 ba · 2,450 sq ft

Active·40 days on market

1786 Summerlin Street

Green Cove Springs, FL 32043

$522,465$213/sqftEst. $2,848/mo mortgageMLS# 2167114
↓ $32,000 below original listOpen house Sat, Nov 14 · 11:00 am–5:00 pm
4
Beds
3
Baths
2,450
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $92/moSingle Family Residence2 storiesNew construction

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

Spacious Floor Plan Overlooking a Beautiful Wooded Homesite. Upstairs features a versatile bonus room, fourth bedroom, and full third bath, providing extra space for guests or family. Enjoy outdoor living on the large, covered patio with an oversized 8' multi-slide glass door. Conveniently Located Near The First Coast Expressway, Laurelton is a master planned community that will be surrounded by nature with numerous amenities in the future. Future amenity center with splash pad, pickleball, chip and putt and more! Residents of Alder Creek at Laurelton will enjoy their own community pool. Contact Sales Associate For Details! SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

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$2,848
Property taxesest. at asking price, Clay County$801
HOAbilled annually$92
Estimated total, before insurance$3,741/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$522,465
$104,493
Loan Term
Monthly Payment
$2,848
Principal & Interest: $2,848
Property taxes (est.): $801
Insurance (est.): $348
Estimated Total Monthly
$3,997
*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

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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,767 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 October 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.

History

Price & status history

  • Oct 29, 2026Price change$522,465−$32,000
  • Sep 30, 2026Listed$554,465

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 $178/sq ft; this home is listed at $213/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
221 North Street, Green Cove Springs, FL 32043Listed by THE LEGENDS OF REAL ESTATEJun 2026$357,000$1474/3.52,42290.3
730 St Johns Avenue, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$330,000$1783/21,85240.8
708 Myrtle Avenue, Green Cove Springs, FL 32043Listed by JPAR CITY AND BEACHAug 2026$510,000$1676/43,06150.8
1257 Governors Creek Drive, Green Cove Springs, FL 32043Listed by BETROS REALTY INCJun 2026$590,000$2274/32,602831.2
1581 Stonebriar Road, Green Cove Springs, FL 32043Listed by WATSON REALTY CORPAug 2026$370,000$2033/21,825161.4
1306 Little Heron Place, Green Cove Springs, FL 32043Listed by D R HORTON REALTY INCJun 2026$399,850$1695/32,363861.5

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$522,465
Price / Sq Ft$213
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,450
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1786 Summerlin Street, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionLaurelton
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number38062601651600876

Amenities

UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Microwave, Tankless Water Heater
HeatingNone
CoolingNone
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

RoofShingle
ConstructionFrame

Additional Information

Date ListedSeptember 30, 2026
Days on Market40
HOA Fees$1,100 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: AXEN REALTY 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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