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Pending

Pending·642 days on market

3435 Americana Drive

Green Cove Springs, FL 32043

$389,696$172/sqftEst. $1,987/moMLS# 2040559

Beds

Baths

2,264

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

This new construction Tilden showcases our Coastal Elevation and features 5 bedrooms, 3 bathrooms, a spacious upstairs loft, 2-car garage, and plenty of storage throughout. This home is equipped with our Smart Home technology including a Nest Doorbell and Thermostat and boasts entertainment living with an open-concept floorplan. This home features a beautiful Kitchen with Whirlpool Appliances, White Cabinets, Quartz Countertops, and large kitchen Island that all opens to your spacious Gathering Room and Café. Beyond the Café is a spacious Covered Lanai and the second floor offers a variety of bedrooms, Laundry Room, a full bathroom. The Owner's Suite, which is located on the second floor, features a large Walk-In Closet, Dual-Vanity Sink with beautiful Cabinets, Quartz Countertops, a Linen Closet, and Walk-In Shower. Enjoy peaceful sunsets on the covered front porch while being a part of the Hyland Trail community!

Cost to own

Mortgage calculator

Home Price

$389,696

Down Payment: 20%

$77,939

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,987

Principal & Interest: $1,987

Property taxes (est.): $597

Insurance (est.): $260

Estimated Total Monthly

$2,844

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,987

Property taxesest. at asking price, Clay County$597

HOAbilled monthly$13

Estimated total, before insurance$2,597/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $10,729,500 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$352,617	$352,617	—
2024	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$7,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.