Five Oaks Homes for Sale in Green Cove Springs, FL

Established resale market · Green Cove Springs · ZIP 32043

An established single-family resale community on Five Oaks Lane in Green Cove Springs, built out in the mid-2000s, for buyers who want a settled Clay County neighborhood close to the county seat.

Established resaleGreen Cove Springs, Clay CountyBuilt roughly 2003 to 2005
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a shardless preview page; no live listing data is attached yet. Verify current inventory and pricing with an agent before you rely on anything here.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
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Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
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Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Five Oaks is a straightforward resale read: a mid-2000s single-family subdivision on Five Oaks Lane in Green Cove Springs that has had roughly two decades to season. The edge here is not scarcity or novelty, it is buying an established home with a known maintenance history close to the Clay County seat. Confirm HOA status and any deferred maintenance directly, since that detail was not verifiable in this fast-mode pass."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Five Oaks is an established single-family resale community on Five Oaks Lane in Green Cove Springs, in Clay County, built out roughly between 2003 and 2005. Homes here range from about 2,180 to 2,791 square feet, giving buyers a modest spread of midsize floor plans within the same subdivision.

Because this is a resale market rather than a builder-phase market, the value here comes from an individual home's condition, updates, and lot rather than from choosing a plan off a price sheet. With homes now roughly two decades old, buyers should expect a mix of original-condition and updated homes, and should budget for age-appropriate systems like roofing and HVAC to be verified during inspection.

The bigger picture is location. Green Cove Springs is the Clay County seat, and Five Oaks sits within a few minutes of downtown Green Cove Springs and Spring Park, giving residents a workable, if not short, drive into the Jacksonville job market while staying close to established local services and parks.

Best for

  • Buyers who want an established resale home rather than new construction
  • Buyers who want to be close to downtown Green Cove Springs and the county seat
  • Commuters willing to make the drive north into the Jacksonville job market

Probably not for

  • Buyers who want a brand-new home with a builder warranty
  • Buyers who need a documented HOA amenity package, since none was verified here
  • Anyone who needs a short commute to downtown Jacksonville

How Green Cove Springs is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
n/aMedian days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Five Oaks update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Green Cove Springs listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Five Oaks buys, holds, and resells. See the five factors.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Downtown Green Cove Springs5 min · approximate
Downtown Jacksonville35 to 45 min · approximate, via US-17 or Blanding Blvd
Orange Park20 to 25 min · approximate
Middleburg15 to 20 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Five Oaks Homes for Sale in Green Cove Springs, FL with Momentum Realty’s local guides.

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Green Cove Springs (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Green Cove Springs is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Clay High School (Clay County District Schools)

Middle

Green Cove Springs Junior High School or your address-zoned middle school

Elementary

Charles E. Bennett Elementary School (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Green Cove Springs address.

The takeaway

Clay County, including Green Cove Springs, has continued to see steady population growth along its corridors, which keeps demand for established resale inventory like Five Oaks in the conversation alongside newer new-construction communities nearby.

Recent Developments in Five Oaks

Our read on what is being built around Green Cove Springs, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet neutral to modestly positive. Continued Clay County growth supports resale demand, but buyers should weigh rising insurance and carrying costs against the benefit of an already-established neighborhood close to the county seat.

Clay County growth near the county seat

2020 to 2026
BullishNotable impact
SignificanceRadius: County

Clay County has been among the growing Jacksonville-area counties, with continued residential development near Green Cove Springs and along the US-17 and CR-315 corridors. Sustained population growth generally supports demand for established resale homes close to the county seat.

Florida homeowners insurance costs

2024 to 2026
BearishNotable impact
SignificanceRadius: Region

Florida homeowners insurance premiums have remained elevated statewide. For an established home built in the mid-2000s, get a bindable quote for the specific address and roof age before you commit.

New construction nearby

2026
NeutralMinor impact
SignificanceRadius: Corridor

Green Cove Springs and surrounding Clay County continue to see new-construction communities delivered nearby. That competing new supply is a normal factor to weigh against an established resale like Five Oaks.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Five Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

    Development alerts for Five OaksGet a short monthly email when something new is approved, funded, or opens near Five Oaks.

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    Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

    If we were buying in Green Cove Springs, this is the order of operations we would run, and the one we run for our clients.

    1

    Ask for the home's age-specific maintenance history, including roof, HVAC, and water heater replacement dates, before you write an offer.

    2

    Confirm whether Five Oaks has an active HOA and, if so, get the current dues amount and any rules in writing, since this was not verifiable in available research.

    3

    Verify the exact zoned elementary, middle, and high schools by the home's address with the Clay County District Schools.

    4

    Get a bindable homeowners insurance quote for the specific home, factoring in its age and roof condition.

    5

    Compare a specific Five Oaks home against recent nearby resale and new-construction comps before finalizing a price.

    Best Buy
    A well-maintained home with documented recent updates to major systems.
    Biggest Risk
    Original-condition systems on a roughly two-decade-old home driving unplanned repair costs.
    Best Lot
    Favor interior lots away from busier through streets.
    Smart Timing
    Resale market; timing depends on individual seller motivation rather than a builder release schedule.
    The takeaway

    On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

    Community Details at a Glance

    The Homes

    Type

    Established single-family resale

    Built

    Roughly 2003 to 2005 (verify by parcel record)

    Size range

    About 2,180 to 2,791 sq ft

    Bedrooms

    Typically 3 to 4 (verify by listing)

    Costs & Fees

    HOA

    Not confirmed in available research; verify with the community association

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Owner-occupied resale homes

    Amenities

    Marketed

    No verified community amenities identified in available research

    Status

    Confirm current amenities, if any, with the HOA or community records

    Location

    Town

    Green Cove Springs, Clay County

    Corridor

    Near downtown Green Cove Springs and the US-17 corridor

    Jacksonville

    Roughly 35 to 45 min drive, approximate

    The takeaway

    Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

    The Entry

    The smaller plans in the subdivision, toward the lower end of the roughly 2,180 to 2,791 square foot range, tend to be the more compact, lower-maintenance homes.

    Lowest entry
    The Core

    Mid-size plans in the middle of the range offer more living space while staying within the established subdivision's typical footprint.

    Most inventory
    The Top

    The largest homes in the subdivision, toward the top of the size range, offer the most square footage and bedrooms; verify condition and updates closely on these older, larger homes.

    Strongest resale

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    The Entry
    The smaller plans in the subdivision, toward the lower end of the roughly 2,180 to 2,791 square foot range, tend to be the more compact, lower-maintenance homes.
    The Core
    Mid-size plans in the middle of the range offer more living space while staying within the established subdivision's typical footprint.
    The Top
    The largest homes in the subdivision, toward the top of the size range, offer the most square footage and bedrooms; verify condition and updates closely on these older, larger homes.

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    15-Second Take
    • Renovation math decides the deal
    • Better lots and views resell strongest
    • Roof and HVAC age drive the insurance quote
    • Interior lots are where buyers overpay
    Jon Brooks, Momentum Realty
    Operator Note

    Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

    Home conditionVerify by inspection
    System age (roof, HVAC)Roughly two decades, verify
    HOA/amenity clarityNot confirmed
    Lot stabilityBuilt out, no phasing risk
    Location accessNear the county seat

    Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

    Jon Brooks, Momentum Realty
    Operator Note

    The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

    5 Mistakes Buyers Make in Green Cove Springs

    15-Second Take
    • Calling the listing agent (who works for the seller)
    • Misjudging the renovation budget
    • Overpaying for an interior lot
    • Underbudgeting the carrying costs
    • Skipping the roof, HVAC, and systems check

    The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

    In an established resale community, the plan is already built. The value is in verifying condition, not choosing a floor plan.

    Jon Brooks · Founder, Momentum Realty
    5.9C+ · Buy Score
    Resale Strength5.7/10
    Renovation Risk5.0/10
    Location Efficiency6.3/10
    Long-Term Defensibility5.5/10
    Carrying Cost Advantage5.7/10

    Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

    Why our read on Green Cove Springs is different.

    Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

    Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
    Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

    Which Lots & Views Hold Value Best

    Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

    Value ($/sqft)
    $261 value$401 premium
    Lake / waterPreserveInterior

    Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

    15-Second Take
    • This is a built-out resale subdivision, so lot inventory is fixed, not phased.
    • Interior lots away from busier through streets tend to be quieter.
    • Home condition varies more than lot position after two decades of ownership turnover.
    • Ask about any drainage or retention-area adjacency before you commit to a lot.
    • Verify HOA and CDD status on the specific parcel, not just the subdivision generally.

    In a resale community like Five Oaks, the lot itself has been fixed for roughly two decades, so the bigger variable is what has happened to the home on it. Interior lots away from the busiest streets tend to hold a slight edge, but condition, updates, and maintenance history on the specific home matter more here than lot position alone. Verify drainage, retention-area adjacency, and any HOA or CDD status on the exact parcel before you rely on general subdivision information.

    Green Cove Springs in 15 seconds.

    Best forBuyers who want an established Clay County resale home close to the county seat.
    Biggest advantageA settled, midsize-home neighborhood a few minutes from downtown Green Cove Springs.
    Biggest riskUnverified home condition and system age on a roughly two-decade-old resale.
    Sweet spotA well-maintained midsize home with documented recent updates.
    Avoid ifYou require new construction, a documented HOA amenity package, or a short Jacksonville commute.

    HOA, CDD & Fees

    15-Second Take
    • HOA status is not confirmed; verify with the community or a title search.
    • No CDD was identified, but confirm it on the parcel's tax record.
    • No verified community amenities were identified in available research.
    • Budget for age-appropriate maintenance on a roughly two-decade-old home.
    • Get a bindable homeowners insurance quote for the specific address.

    Available research did not confirm whether Five Oaks has an active homeowners association or, if so, what the current dues are. Confirm directly with the community or a title search before you buy.

    Not verified in available research. If an HOA exists, confirm in writing exactly what dues cover.

    No golf course or private club is identified with this community.

    The takeaway

    Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

    Momentum listings (YTD)
    97.98%
    Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
    Market average (YTD)
    96.73%
    The broader metro average sold-to-list ratio over the same period.
    Momentum days on market
    64 days
    Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
    Market days on market
    72 days
    The broader metro median over the same period.

    Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

    In Green Cove Springs, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Russell Oaks, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

    What is your Green Cove Springs home worth?

    Get a no-obligation home value based on real comparable sales in Green Cove Springs matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

    See homes for sale in Five Oaks on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Five Oaks year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

    The real cost & risk here

    Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

    $1,806/mo
    Clay County typical true cost to own
    $99/mo
    Clay County typical home insurance
    Check CDD
    Confirm before you offer

    County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

    Live market metrics for Five Oaks are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

    Market metrics only; these describe homes for sale and recent sales, not residents.

    Frequently Asked Questions

    Is Five Oaks a new-construction community?
    No. It is an established single-family resale subdivision on Five Oaks Lane in Green Cove Springs, built out roughly between 2003 and 2005.
    How big are the homes?
    Homes range from about 2,180 to 2,791 square feet. Verify the exact size and bedroom count on the specific listing.
    Is there an HOA, and how much are the dues?
    Available research did not confirm whether Five Oaks has an active homeowners association or a current dues amount. Confirm directly with the community or a title search before you buy.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this community, but CDD status is best confirmed on the specific parcel's tax record with the Clay County Property Appraiser.
    What amenities does the community have?
    No verified community amenities were identified in available research. Confirm current amenities, if any, with the HOA or community records.
    Is Five Oaks gated or age-restricted?
    There is no verified information that the community is gated or age-restricted. Confirm access details directly.
    What schools serve the community?
    It is in the Clay County District Schools, with Clay High School commonly serving the area. The zoned elementary and middle schools should be verified by the specific address.
    How is the commute to Jacksonville?
    Downtown Jacksonville is roughly a 35 to 45 minute approximate drive via US-17 or Blanding Boulevard. Other drive times on this page are approximate estimates.
    What is the biggest risk of buying here?
    Unverified condition on a roughly two-decade-old home. Confirm the age and condition of major systems like the roof, HVAC, and water heater before you commit.
    How should I evaluate a specific home here?
    Focus on documented updates and maintenance history rather than lot position alone, since the subdivision has been built out for roughly two decades.
    Should I get my own agent for a resale purchase here?
    Yes. Your own agent can review comps, condition, and disclosures and represent your interests, rather than relying on generic online estimates.
    How current is the data on this page?
    This is a fast-mode preview page and does not yet carry live local listing data. Always confirm current pricing and availability with an agent before you make an offer.
    Who is the best real estate agent for Five Oaks?
    The best agent for Five Oaks is one who actively works Green Cove Springs and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Five Oaks.
    How do I find a top Green Cove Springs real estate agent who knows Five Oaks?
    Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Five Oaks and the wider Green Cove Springs area.
    Can Momentum Realty connect me with an agent for Five Oaks?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Five Oaks purchase or sale - no call center and no pressure.
    You want an established resale home rather than new construction.Excellent fit
    You want to be close to downtown Green Cove Springs and the Clay County seat.Excellent fit
    You are comfortable verifying condition and updates on a roughly two-decade-old home.Excellent fit
    You commute north toward Jacksonville or Orange Park.Excellent fit
    You require a documented HOA amenity package.Probably not
    You need a short commute to downtown Jacksonville.Probably not
    You want a brand-new home with a builder warranty.Probably not
    You are not prepared to budget for age-appropriate system updates.Probably not

    Get the inside read on Green Cove Springs

    Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Green Cove Springs home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

    We respond personally, usually the same day.

    You are all set.

    A Momentum Realty Green Cove Springs specialist will reach out personally, usually the same day.

    Median sale price in Five Oaks, Florida by year (2012 to 2026). Source: Momentum Realty.
    Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

    Zoom out before you decide: see the Clay County market guide or every community in the Neighborhood Finder.

    Get my Clay County cash offer →

    Own a home here?

    You just read the data. Now see what your home is worth.

    The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the RealMLS member average and 8 days faster, and we’ll price yours against live your area comps.

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