3 bedroom Single Family Residence at 140 PIONEER Trail, Cedar Creek Estates, Green Cove Springs — photo 1Front elevation
3 bedroom Single Family Residence at 140 PIONEER Trail, Cedar Creek Estates, Green Cove Springs — photo 2Living space
3 bedroom Single Family Residence at 140 PIONEER Trail, Cedar Creek Estates, Green Cove Springs — photo 3Kitchen
3 bedroom Single Family Residence at 140 PIONEER Trail, Cedar Creek Estates, Green Cove Springs — photo 4Owner's suite
3 bedroom Single Family Residence at 140 PIONEER Trail, Cedar Creek Estates, Green Cove Springs — photo 5Exterior / yardView all 96 photos →
9 days on market Single Family Residence
$1,599,000

140 PIONEER Trail, Green Cove Springs, FL 32043

Single Family Residence in Cedar Creek Estates, Green Cove Springs · No CDD · FEMA Zone X · Built 2024
Cedar Creek Estates · Green Cove Springs, FL 32043 · Putnam
Listing data updated July 10, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,328Sq Ft
2024Year Built
$687Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Highlights
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 2024 · 2 yrs
  • 2,328 sq ft of living area
  • 2-car garage
  • $687/sq ft — compared with the displayed median of $687 from recent nearby sales
  • 9 days on market
  • HOA ~$50/mo (estimate; confirm)

This listing is shown at $1,599,000, with 3 bedrooms and 2 bathrooms, and 2,328 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.

Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms3
Bathrooms2
Living area2,328 sq ft
Year built2024
Property typeSingle Family Residence

Financial

Est. monthly payment$10,324
Est. taxes / yr~$17,909
Est. insurance / yr~$5,305
HOA$50/mo
CDDNone on record
Price / sq ft$687

Risk

Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~1 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$5,305/yr

Market

Days on market9
Neighborhood median DOM83
Active listings (area)286
Comparable-sales median$1,599,000

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Visual snapshot

The numbers, at a glance

Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$5,305/yr
Estimated homeowners premium; get a real quote.

Estimated monthly payment

$10,324/mo
  • Principal & interest $8,339/mo 81%
  • Taxes $1,492/mo 14%
  • Insurance $442/mo 4%
  • HOA $50/mo 0%

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Flood safety (90), Insurance cost (80)

A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.

How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.

Price vs area50
This home $687/sq ft vs area median $687/sq ft from recent nearby sales.
Affordability50
List price $1,599,000 vs area median $1,599,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~1 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity34
Area median 83 days on market.
Renovation upside10
From a 2024 build and $687/sq ft vs area $687/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Listing facts & disclosures
$1,599,000
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
2,328
Living area
Sq ft (approx.)
$687
Price / sq ft
List ÷ living area

The home

Year built2024
Per public record.
Property typeSingle Family Residence
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$17,909/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~1 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Listing courtesy of WATSON REALTY CORPProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™

The Messtimate: $1,408,440 – $1,790,232

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$1,408,440the mess$1,790,232

Actual list price: $1,599,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
  • The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
  • Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
  • Views & orientation — golf, water, or preserve views aren't in the square footage.
  • Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
  • Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
  • Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
  • Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
  • School zoning & micro-location — one street over can mean a different school, and a different price.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 9 days on market vs. a ~83-day neighborhood median
  • 286 active listings competing in Cedar Creek Estates
  • 69 under contract now
  • 19% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
  • 41 new-construction homes competing

For reference, this home is listed at $1,599,000 ($687/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,328 sq ft × $605–$769/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.

Property timeline

This home’s history

  • 2024BuiltPer public record
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$7,329 – $10,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,207 – −$209At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check

Every number, sourced

We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$1,599,000
Bed / bath3 / 2
Living area2,328 sq ft
Year built2024
Property typeSingle Family Residence
MLS #2149684
Listing status9 days on market
Days on market9

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~1 ft
CountyPutnam
Estimated first-year tax~$17,909/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$687
Estimated monthly payment$10,324
Estimated insurance~$5,305/yr
Messtimate rangeNot available on this page
Comparable-sales median$1,599,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$10,324
Principal & interest$8,339
Property tax$1,492
Insurance$442
CDD assessment$0
HOA$50
PMI$0

Down payment $319,800 · Loan $1,279,200. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$17,909/yr

The seller likely pays less due to the homestead cap. At a $1,599,000 purchase, expect your first full-year Putnam bill near $17,909 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$5,305/yr

Estimate for a 2024 build in Putnam. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~1 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Market data · public records

Recent sales activity in Cedar Creek Estates

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Cedar Creek Estates neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Median sale price (set)
$1,599,000

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$687

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$687

List price divided by living area. Provided as data, not a value judgment.

Explore Putnam County

Browse market data, schools, taxes, and homes for sale across the county.

Assigned schools

Assigned schools

Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

James A. LongAssigned elementary school · Putnam County School District
PalatkaAssigned high school · Putnam County School District
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

Keep looking

Similar homes for sale near Cedar Creek Estates

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Listing description

About this home

Welcome to your new St. Johns Riverfront sanctuary, where exceptional craftsmanship, modern luxury, and the timeless beauty of Old Florida come together in one extraordinary waterfront retreat. Completely rebuilt, remodeled and expanded in 2024, this 3 bedroom/study/2 full bath stunning property offers nearly 300 feet of river frontage, creating an unparalleled setting for those seeking privacy, nature, and an authentic Florida lifestyle. Encompassing 6.2 acres and nestled among majestic trees in a peaceful, unspoiled natural setting, this rare sanctuary is brimming with wildlife, where deer, wild turkeys, and native birds are frequent visitors. It is a place where life slows down, offering the serenity and beauty of Florida as it used to be--a disappearing landscape that is becoming increasingly difficult to find. From the moment you arrive, you'll appreciate the custom circular driveway, screened-in front porch, and fully fenced side and rear yards with a remote-controlled gate leading to an additional parking area, including RV parking space and a newly built, insulated 460 square foot storage building. Complete with heating, air conditioning, and a 10-foot ceiling the structure offers endless possibilities for hobbies, storage, a workshop, barn or recreational space. Inside the home, soaring 8-10 foot ceilings, vaulted ceilings, elegant crown molding, upgraded 6-inch baseboards, plantation shutters, and custom cedar-lined closet systems create a refined yet welcoming atmosphere. The chef's kitchen is a masterpiece featuring custom soft-close cabinetry with pull-out cookware drawers, organizer inserts, pull-out trash storage, granite countertops, custom granite backsplash, under-cabinet lighting, a deep stainless sink with workstation, Samsung counter-depth refrigerator, Asko low-decibel dishwasher, built-in microwave drawer, and an impressive Fulgar Italian 36-inch electric oven with six-burner gas cooktop and griddle, all complemented by a Falmec low-decibel vent hood. The thoughtfully designed laundry room includes custom cabinetry, butcher block counter top, under-cabinet lighting, a farmhouse sink, and a full-size stacked washer and dryer, blending style with everyday functionality. The oversized great room is an entertainers dream and the dining room includes an heirloom Swarovski crystal chandelier. Step outside to the expansive screened rear porch featuring a custom tongue-and-groove ceiling, 4-foot wide entry door, pet door and high-end outdoor ceiling fans, where you can relax and enjoy the peaceful sounds of nature. The fenced garden area provides the perfect space to cultivate flowers, herbs, or fresh vegetables while embracing the property's natural beauty. For waterfront enthusiasts, the newly built covered dock with seating and a jet ski lift offers direct access to the St. Johns river for boating, fishing, kayaking, or simply enjoying spectacular sunrises over the water. An outdoor shower completes the ultimate Florida lifestyle. No detail has been overlooked in the home's extensive upgrades and infrastructure improvements, including hurricane-rated energy-efficient windows and sliding glass doors, all-new electrical wiring and plumbing, a deep water well with dual pumps, water treatment and water softener systems, a Rinnai tankless water heater, a 500-gallon propane tank, a whole-house Generac generator, and a new roof for years of worry-free ownership. Security and convenience are equally impressive with a 12-camera exterior CCTV system, professionally monitored security system, exterior motion lighting, and an oversized two-car garage complete with a stainless French-door refrigerator. Located just minutes from the new First Coast Expressway, the property is positioned to benefit from future direct access to St. Johns County and I-95, making commuting to Jacksonville, historic St. Augustine, and Northeast Florida's premier destinations more convenient than ever. 140 Pioneer Trail is far m…

Description provided by WATSON REALTY CORP and reproduced from the MLS; not independently verified.

The full spec sheet

Property details & features

Interior

  • Bedrooms3
  • Bathrooms2
  • Living area2,328 sq ft

Exterior & lot

  • TypeSingle Family Residence

Systems

  • Year built2024
  • Age2 yrs

Listing

  • MLS #2149684
  • StatusActive
  • Days on market9
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Transparency

Price & listing history

Listed for $1,599,000Momentum Realty · on market 9 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 140 PIONEER Trail in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.