$459,0004 bd · 3 ba · 2,817 sq ft
Active·39 days on market
2912 Southbank Circle
Green Cove Springs, FL 32043
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
***Seller is offering up to $10,000 toward the buyer's closing costs and/or interest rate buydown with an accepted list price offer!*** (subject to lender limits). This 4-bedroom, 3-bath pool home sits on a spacious 0.32-acre corner lot and is packed with spaces made for enjoying life at home. The backyard features a saltwater pool with paver surround, oversized pergola, stone fire pit, and white vinyl fencing for privacy. The air-conditioned sunroom has its own tiki bar and a clear view of the pool, making it the perfect spot to entertain year-round and still have that tropical resort feel. Fresh exterior paint gives the home a clean, updated look. And one of the best features? Ronnie Van Zant Park is directly across the street, with Lake Asbury Junior High just down the road. Enjoy trails, sports courts, playgrounds, fishing, and more right nearby. This home gives you indoor comfort, outdoor fun, and an incredible location all in one. Come see why everyone is moving to Clay County!
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 (that applies to the reference bill above too).
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: Shingle — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
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: ~1,734 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.
Closest park or preserve
Alpine Groves Parkabout 9 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 5 mi · Saint Johns River - Black Creek
Closest grocery store
Winn-Dixieabout 10 mi · 8560 Argyle Forest Blvd, Jacksonville
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 6:49 AM, sunset 5:33 PM.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $415,516 | $269,030 | — |
2025 property taxes (current owner): $4,505/yr
Estimated taxes if purchased at asking price: ~$8,300/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
- Oct 25, 2026Price change$459,000−$6,000
- Oct 2, 2026Listed$465,000
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 $166/sq ft; this home is listed at $163/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2952 Jubilee Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $360,000 | $154 | 5/3 | 2,336 | 63 | 0.2 |
| 3265 Silverado Circle, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATE | Nov 2026 | $325,000 | $126 | 4/2 | 2,589 | 121 | 0.5 |
| 3108 Tupelo Loop, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Nov 2026 | $393,000 | $165 | 3/3 | 2,388 | 283 | 0.6 |
| 3104 Tupelo Loop, Green Cove Springs, FL 32043Listed by LENNAR REALTY INC | Oct 2026 | $349,994 | $166 | 3/2 | 2,106 | 84 | 0.6 |
| 3041 Plantation Ridge Drive, Green Cove Springs, FL 32043Listed by REAL BROKER LLC | Oct 2026 | $395,000 | $172 | 3/2.5 | 2,294 | 25 | 0.8 |
| 3592 Americana Drive, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $383,000 | $177 | 4/3 | 2,159 | 138 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXIT INSPIRED REAL ESTATE
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
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