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Active

Active·488 days on market

3044 Rustic Deer Way

Green Cove Springs, FL 32043

$324,990$176/sqftEst. $1,669/moMLS# 2083126

Beds

Baths

1,851

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

NEED TO MOVE NOW? WHY WAIT when there is a beautiful, newly built (end of Sept. 2023) 4-bedroom split floor plan, 2-full bathrooms, single story home in sought after Cross Creek community that is READY? The split bedroom layout ensures privacy with a luxurious primary suite that includes an ensuite bathroom with a tub/shower combo and two closets which includes a large walk-in closet. The remaining three bedrooms share the 2nd full bathroom. The kitchen features a large island and breakfast bar and is open to the dining area and spacious family room where you have room to entertain and that looks out to the large FENCED in back yard where you can relax at the end of the day. Also included is a two car garage. Residents have access to great amenities which include a clubhouse, fitness center, several pools, tennis court and playground ...

Cost to own

Mortgage calculator

Home Price

$324,990

Down Payment: 20%

$64,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,669

Principal & Interest: $1,669

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,384

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,669

Property taxesest. at asking price, Clay County$498

HOAbilled annually$8

Estimated total, before insurance$2,175/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,872/yr · $573/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $321,800 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$272,622	$221,900	—
2024	$276,007	$226,007	—
2023	$13,000	$13,000	—

2024 property taxes (current owner): $6,872/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,660 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

As of July 2026, 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.

History