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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·1 day on market

2880 Wild Pine Lane

Green Cove Springs, FL 32043

$375,000$220/sqftEst. $2,077/moMLS# 2168593
3
Beds
2
Baths
1,704
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $8/mo6,534 sqft lotWaterfrontSingle 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

This like new home is ready for it's next owner! Fresh colors and an open floor plans. I the current owners hate to leave but their family is expanding and need more room. Come by and I sure you will love this property.

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$2,077
Property taxesest. at asking price, Clay County$575
HOAbilled annually$8
Estimated total, before insurance$2,660/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,343/yr · $612/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

$375,000
$75,000
Loan Term
Monthly Payment
$2,077
Principal & Interest: $2,077
Property taxes (est.): $575
Insurance (est.): $250
Estimated Total Monthly
$2,902
*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: Shingle — year not disclosed (home built 2024)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 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): $7,343/yr

Estimated taxes if purchased at asking price: ~$6,900/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

  • Oct 9, 2026Listed$375,000

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 $176/sq ft; this home is listed at $220/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3158 Cold Leaf Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$297,000$1604/21,8611100.3
2347 Oak Stream Drive, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$274,000$1763/21,55820.4
2766 Oak Stream Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNSSep 2026$340,000$1854/21,835290.4
3040 Rustic Deer Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$275,000$1703/21,618270.5
3218 Little Fawn Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$274,000$1953/21,402220.5
2366 Evening Oaks Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$289,000$1693/21,711190.6

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$375,000
Price / Sq Ft$220
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,704
Acres0.15 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address2880 Wild Pine Lane, Green Cove Springs, FL 32043
Area162-Russell Landing/Penney Farms
SubdivisionCross Creek
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size6,534 sq ft
Parcel Number46052601030101256

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Doors, HVAC, Thermostat, Water Heater, Windows
ParkingAdditional Parking, Garage, Garage Door Opener, On Street, Shared Driveway
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesElectric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityCarbon Monoxide Detector(s), Fire Alarm, Security System Owned, Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio, Screened
FencingBack Yard, Vinyl, Wrought Iron
RoofShingle
ConstructionComposition Siding, Concrete, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 9, 2026
Days on Market12
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$7,343.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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

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