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Active·16 days on market

1811 Oak Park Circle

Green Cove Springs, FL 32043

$515,000$358/sqftEst. $2,808/mo mortgageMLS# 2168985
2
Beds
2
Baths
1,440
Sq Ft
1965
Built
—
Garage
No
Pool
FEMA Zone XNo HOA3.29 acresWaterfrontSingle Family Residence1 story

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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.

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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

EXCEPTIONAL BLACK CREEK WATERFRONT OPPORTUNITY! This 3.2-acre property offers navigable Black Creek frontage, a dock and boat access. The house sits high and dry. Enjoy a peaceful wooded setting and scenic creek views, creating a private Northeast Florida retreat. The existing 2-bedroom home is being remodeled, offering the opportunity to finish the interior to your taste. Enjoy boating, fishing, kayaking or relaxing along the creek. Located in Green Cove Springs, this property combines acreage, privacy and waterfront living while remaining convenient to local amenities and Jacksonville. Opportunities to own this much land with navigable creek frontage and a dock are rare. Discover the possibilities at 1811 Oak Park Circle!

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$2,808
Property taxesest. at asking price, Clay County$789
Estimated total, before insurance$3,597/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

$515,000
$103,000
Loan Term
Monthly Payment
$2,808
Principal & Interest: $2,808
Property taxes (est.): $789
Insurance (est.): $343
Estimated Total Monthly
$3,940
*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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1965)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,595 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.

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.

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 13, 2026Listed$515,000

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 $212/sq ft; this home is listed at $358/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1783 Moss Creek Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYSep 2026$371,500$2204/21,688241
1766 Moss Creek Drive, Fleming Island, FL 32003Listed by NON MLS (realMLS)Jul 2026$375,000$2423/21,54801
1334 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$329,990$2113/2.51,566641.5
1185 Floyd Street, Fleming Island, FL 32003Listed by RIVER CITY RENTALS AND REALTYOct 2026$310,000$1773/2.51,75201.6
2445 Zagato Court, Middleburg, FL 32068Listed by FREEDOM REALTY GROUP LLCSep 2026$281,000$2123/21,32881.6
1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTYOct 2026$360,000$2073/21,7421681.7

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$515,000
Price / Sq Ft$358
Bedrooms2
Bathrooms2.00
Full Baths1
Half Baths2
Square Footage1,440
Acres3.29 acres
Year Built1965
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusActive
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryRideout
MiddleLake Asbury
HighClay

Community Information

Address1811 Oak Park Circle, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
Subdivision**verifying Subd**
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size143,312.4 sq ft
Parcel Number46052601028200000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached Carport, Carport, Off Street, RV Access/Parking
ViewCreek/Stream, Trees/Woods, Water

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Downstairs
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesDock
Lot DescriptionDead End Street, Irregular Lot, Wetlands, Wooded
RoofShingle
ConstructionBlock
Other StructuresShed(s)
Road FrontageCounty Road

Additional Information

Date ListedOctober 13, 2026
Days on Market16
Listing TermsCash, Conventional, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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