Single Family Residence in Palmer & Ferris, Green Cove Springs · No CDD
Palmer & Ferris · Green Cove Springs, FL 32043 · Clay
Listing data updated September 17, 2026 · refreshed twice daily
2Bedrooms
1Bathrooms
1,077Sq Ft
1965Year Built
$218Per Sq Ft
1-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
5% above
$/sq ft vs community
$218 here vs $208 median sold (12 mo)
Buyer leverage
Strong seller market
19 days on market
1.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 17, 2026, 407 HIGHLAND Avenue in Palmer & Ferris, Green Cove Springs is listed at $235,000 (1,077 sq ft, about $218 per sq ft). That sits within a few percent of Palmer & Ferris's median closed sale of $231,500 over the last 12 months (8 recorded sales). It has been 19 days on market, well inside the community's typical 64 days. Listing facts: built in 1965, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1965 · 61 yrs
1,077 sq ft of living area
1-car garage
Listed at $235,000 — recent neighborhood median sale price ~$231,500 (nearby sales; deemed reliable, not an appraisal)
19 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Palmer & Ferris
Pricing & the Palmer & Ferris market
How this home is priced against recent nearby sales, and where Palmer & Ferris has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Palmer & Ferris
Each dot is a closed sale since 2001 (111 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2013–2026. This home lists at $218/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 49 (normal).
Property timeline
This home’s history
1965BuiltPer public record
Aug 28, 2026First trackedObserved at $235,000
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.
Financing
Estimated monthly payment
$1,590/mo
Principal & interest $1,221/mo77%
Taxes $192/mo12%
Insurance $128/mo8%
HOA $50/mo3%
$1,590/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $300/yr ($25/mo)
+$2,475 more each year
(+825%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$163,380
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
58/100
Strongest on: Pricing power (80), Renovation upside (70)
0 limited50100 exceptional
58/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area38
This home $218/sq ft vs the community 12-month median $208/sq ft.
Affordability47
List price $235,000 vs the community median $231,500. Not a measure of personal affordability.
Market liquidity65
Community median 64 days on market, ~1.5 months of supply (12-month record).
Renovation upside70
From a 1965 build and $218/sq ft vs the community median $208/sq ft. Not a condition assessment.
Pricing power80
Recent sales closed at about 92.0% of original asking (~8.0% below). More room below asking generally favors buyers.
Market timing51
Momentum Market Heat is 49/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.5 months of supply in the surrounding market and 19 days on market for this home, against a 64-day area median.Days on market:this home 19Area median: 64 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 16, 2026.
🟡 Asking $218 per square foot, about 5% above the community’s $208 median. Palmer & Ferris’s 12-month median sold price per square foot is $208. Median sold price per square foot is up 33.2% year over year. Confidence: Medium · 8 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
61% of homes in Palmer & Ferris are owner-occupied. An estimated 39% are non-owner-occupied, including 6% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 82 homes matched. Community-level context.
Recent Palmer & Ferris sales closed near 92.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 16, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Palmer & Ferris, no CDD assessment.
Updated September 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Discover this charming Downtown Green Cove Springs cottage at 407 S Highland Ave, offered at $235,000. This 2-bedroom, 1-bath concrete-block home features 1,077 square feet of comfortable, single-story living on an approximately quarter-acre lot. Fresh interior paint gives the home a clean, move-in-ready feel.
New wood look plank flooring flows through the main living areas, while both bedrooms feature new carpet. The practical floor plan offers comfortable everyday living with the character and manageable size many buyers appreciate. A standout feature is the detached backyard workshop, providing versatile space for hobbies, woodworking, equipment, tools, or additional storage.
The property also includes a garage and a spacious yard with room to relax, garden, or enjoy outdoor activities. Conveniently located near historic Downtown Green Cove Springs, this home offers easy access to Spring Park, the St. Johns River, local restaurants, shopping, community events, and everyday services.
Its Clay County location also provides access to area schools, parks, recreation, and major routes connecting Green Cove Springs with Fleming Island, Middleburg, Orange Park, and the greater Jacksonville area. If you are searching for a concrete-block home in Green Cove Springs with updated flooring, a workshop, garage, generous lot, and convenient downtown location, 407 S Highland Ave deserves a closer look. Schedule your private showing today and explore everything this inviting property has to offer.
All 48 photos
Description provided by COLDWELL BANKER VANGUARD REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$235,000
Bed / bath2 / 1
Living area1,077 sq ft
Year built1965
Property typeSingle Family Residence
Garage1-car
MLS #2161858
Listing status19 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings1 active · 1 under contract
Estimated first-year tax~$2,303/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$218
Estimated monthly payment$1,590
Insurance (illustrative)$1k–$2k/yr
Messtimate range$220,785 – $230,478
Comparable-sales median$231,500
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
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.
$220,785the mess$230,478
Actual list price: $235,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 4% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1965 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 19 days on market vs. a 64-day community median
1 active listing competing, 1 under contract
≈1.5 months of supply
8 closed here in the last 12 months
For reference, this home is listed at $235,000 ($218/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.
Methodology: 1,077 sq ft × $205–$214/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 17, 2026.
Keep looking
Similar homes for sale near Palmer & Ferris
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.
Listed for $235,000Momentum Realty · on market 19 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,303/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by COLDWELL BANKER VANGUARD REALTY · MLS # 2161858
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Market data · public records
Recent sales activity in Palmer & Ferris
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 Palmer & Ferris neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$231,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$208
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Palmer & Ferris
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Builder
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 11 miles northeast of Palmer Ferris, elsewhere in Clay County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 13 miles northeast of Palmer Ferris.
Schools currently assigned to this address in Clay 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.
GRADEB
Charles E. BennettAssigned elementary school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Green Cove SpringsAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEB
ClayAssigned high school · Clay County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Sold Jan 2026
$240,000
411 PEARL Street, Green Cove Springs
3 / 2 bd/ba · 1,140 sq ft · $211/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold May 2026
$178,500
606 HIGHLAND Avenue, Green Cove Springs
1 / 1.5 bd/ba · 986 sq ft · $181/sq ft
Courtesy of MANUCY REALTY AND ASSOCIATES · View details →
Sold May 2026
$252,000
104 JACK Street, Green Cove Springs
3 / 1 bd/ba · 1,180 sq ft · $214/sq ft
Courtesy of MOMENTUM REALTY · View details →
Sold Sep 2025
$223,000
304 HIGHLAND Avenue, Green Cove Springs
3 / 1 bd/ba · 943 sq ft · $236/sq ft
Courtesy of PLANTANA REALTY, INC. · View details →
Sold Sep 2025
$180,000
1505 THOMAS Street, Green Cove Springs
2 / 1 bd/ba · 876 sq ft · $205/sq ft
Courtesy of AMERICAN DREAM OF NORTHEAST FLORIDA · View details →
Sold Feb 2026
$270,000
407 GREEN Street, Green Cove Springs
3 / 2 bd/ba · 1,288 sq ft · $210/sq ft
Courtesy of EXIT INSPIRED REAL ESTATE · View details →
Community 12-month median: $208/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and 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$1,077 – $1,567/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$544 – −$103At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 407 HIGHLAND Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1965 (61 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,077 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,303/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 17, 2026)
Community market stats
realMLS closed sales, as of September 16, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 407 HIGHLAND Avenue and when was it built?
Per the listing record, 407 HIGHLAND Avenue was built in 1965 and has 1,077 sq ft of living area, 2 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 407 HIGHLAND Avenue in?
407 HIGHLAND Avenue is in Palmer & Ferris in Green Cove Springs, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Palmer & Ferris from the same MLS data.
Does 407 HIGHLAND Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 407 HIGHLAND Avenue differ from the current owner's?
The estimate on this page (about $2,303 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 407 HIGHLAND Avenue in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 407 HIGHLAND Avenue 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.
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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
