Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$339,000

204 BAYARD Street, Green Cove Springs, FL 32043

Green Cove

Price
$339,000
Beds / Baths
2 / 2
Living area
1,038 sqft
Year built
1955
Type
Residential
Lot
0.24 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Clay
Days on market
60

$327/sqft asking, vs a $179/sqft median across 1,751 closed sales in 32043 over the last 12 months — 82% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to 204 Bayard Street, a charming and move-in-ready 2-bedroom, 2-bath home located just blocks from the St. Johns River, Spring Park, and historic downtown Green Cove Springs. Originally built in 1955 and thoughtfully updated over the years, this home offers the perfect blend of character and modern convenience. Inside, you'll find a comfortable floor plan with abundant natural light, hardwood flooring throughout much of the home, spacious living areas, and two full bathrooms. Major improvements have already been completed, including a new roof in 2023, new HVAC system in 2023, six replacement windows in 2023, and a new water heater in 2025, providing peace of mind for years to come. The attached garage offers additional storage and convenience, while the covered front porch provides the perfect place to relax and enjoy the neighborhood. Conveniently located near shopping, dining, schools, public boat ramps, and all that Green Cove Springs has to offer. Whether you're a first-time homebuyer, looking to downsize, searching for a second home, or seeking an investment opportunity, this property offers exceptional value in one of Clay County's most desirable riverfront communities. All appliances convey with the sale.

What to check on this one

  • Verify roof installation date and warranty coverage from 2023 contractor.
  • Request flood zone determination letter from Clay County or FEMA—location near river requires clarification.
  • Obtain full HVAC and water heater documentation, including 2023-2025 service records.
  • Confirm plumbing materials; homes from 1955 may have cast-iron or polybutylene requiring assessment.
  • Review full 60-day price history and comparable sales to validate current asking price.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,759/mo
Property tax (1.1% eff., Clay Co.)$311/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$2,362/mo

Loan $271,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of LOWEST FEE REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 14, 2026, 1:32 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.