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2189 THORP Road, Green Cove Springs, FL, 32043

3beds
2baths
1,792sqft
$699,900
$391price/sqft
$4,459/moest. monthly cost
$178,360/yrincome needed

About This Home

Please read the driving directions carefully or your GPS may take you off course. Exceptional opportunity to own a 2021-built waterfront home situated on approximately 12 acres with the potential to build a private boat dock leading to deep water access. This property offers the privacy and space buyers are looking for while still providing modern finishes and move-in-ready convenience. The home features a beautifully finished kitchen with granite countertops, custom cabinetry, black appliances, high ceilings, engineered wood flooring throughout, and upgraded fixtures that add warmth and character to the home. The spacious owner's suite includes a large walk-in shower, while the secondary bathroom features a classic cast iron tub. Enjoy peaceful water views from the oversized back porch stretching across the entire rear of the home. The property sits high above the water, and the current owner states there have been no flooding issues due to the elevation of the homesite. A storage shed located on the property will convey with the sale and is approximately the same age as the home. For added buyer confidence, the sellers already have a recent appraisal completed by Hollis Appraisals, a full home inspection from HouseScan, and a survey available. This property is priced below last year's appraised value, and the sellers are motivated. An additional property located at 2205 Thorp Rd with its own separate 2-acre parcel is also available for purchase. Both properties may be purchased together as a package deal at the right price. Please see the separate listing for additional details.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Rideout Elementary SchoolGrades PK-61.2 mi
7/10
5/10
Clay High SchoolGrades PK,9-128.3 mi

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement,Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Pantry,Primary Bathroom - Shower No Tub,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,804
  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: 10052500920400400

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened
  • Has view: Yes
  • View description: Trees/Woods,Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Creek

Lot

  • Lot size: 12.22 Acres
  • Features: Agricultural,Many Trees,Wooded

Parking

  • Parking features: Additional Parking,Covered,Detached Carport,Shared Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,539$42,468
Home Insurance *$484$5,808
Property Taxes $239$2,868
Electricity $197$2,366
Total$4,459$53,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,880/yr
40% on housing$133,770/yr
45% on housing$118,906/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 32043$197
Clay County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 32043$182
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-14Pending sale$699,900
2026-05-08Listed for sale$699,900

For Sale by Agent

AgentKEITH JONES
BrokeragePUBLIC SERVICES REALTY

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