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Pending

Pending·37 days on market

540 Arthur Moore Drive

Green Cove Springs, FL 32043

$399,000$227/sqftEst. $2,034/moMLS# 2085678

Beds

Baths

1,754

Sq Ft

1979

Built

Garage

Pool

About this home

Green Cove Springs

Property was off the market while the owners had a new roof installed. This beautiful all-brick three bedroom two bathroom home sits on a spacious 2.4-acre lot in the desirable Lake Asbury community. No HOA or CDD!Tucked far back from the main road and Surrounded by gorgeous mature trees you'll experience maximum privacy and seclusion.The open floor plan features luxury vinyl plank (LVP) flooring throughout the main living areas, with cozy carpet in the bedrooms. A large island anchors the modern kitchen, perfect for entertaining. The spacious dining area flows seamlessly into the living room, creating an inviting, airy atmosphere. A 3-car garage provides plenty of space for vehicles, storage, or hobbies. Plus brand new HVAC system just installed. Don't miss the opportunity to own this serene retreat!

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $611

Insurance (est.): $266

Estimated Total Monthly

$2,912

*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$2,034

Property taxesest. at asking price, Clay County$611

Estimated total, before insurance$2,646/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,364/yr · $197/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

Year	Market value	Taxable value	Change
2025	$308,320	$127,521	—
2024	$301,043	$123,220	—
2023	$284,087	$118,175	—
2022	$272,664	$113,277	—
2021	$220,402	$108,522	—
2020	$192,449	$106,334	—

2024 property taxes (current owner): $2,364/yr

Estimated taxes if purchased at asking price: ~$7,300/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.