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Sold

Sold·Closed Sep 15, 2026·365 days on market

3819 Holstein Way

Green Cove Springs, FL 32043

$349,990sold priceListed at $349,990 · 100% of asking$159/sqftMLS# 2105136
4
Beds
3
Baths
2,195
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $52/mo5,227 sqft lotSingle Family Residence1 storyNew construction

About this home

Green Cove Springs

The Amherst II model, a thoughtfully designed home that combines spacious living with practical elegance. This residence offers: 4 bedrooms and 3 full bathrooms,2 floors of well-planned living space,Convenient 2-car garage Owner's suite on the first floor. First Floor Layout:• Expansive great room (15' x 17') ideal for family gatherings and entertainment,• Generous owner's suite (12' x 17') with en-suite bathroom and walk-in closet• Café area (12' x 11') perfect for casual dining,• Two additional bedrooms (both 11' x 11') and a full bathroom,• Covered patio (8' x 6') extending living space outdoors Second Floor:• Large bonus room (17' x 13') offering flexible space for various needs,• Fourth bedroom (12' x 10') with adjacent full bathroom The corner lot not only enhances your daily living experience but also adds potential long-term value to your property.*Images shown are for illustrative purposes only*

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,939
Property taxesest. at asking price, Clay County$536
HOAbilled annually$52
Estimated total, before insurance$2,527/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$349,990
$69,998
Loan Term
Monthly Payment
$1,939
Principal & Interest: $1,939
Property taxes (est.): $536
Insurance (est.): $233
Estimated Total Monthly
$2,708
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2026)

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

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$20,000$20,000▲ $5,000

Estimated taxes if purchased at asking price: ~$6,400/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.

History

Price & status history

  • Sep 15, 2026Closed$349,990
  • Aug 22, 2026Pending$349,990
  • Jul 31, 2026Price change$349,990−$10,000
  • Jul 29, 2026Price change$359,990−$2,123
  • Jul 24, 2026Price change$362,113−$2,377
  • Aug 22, 2025Listed$364,490

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $172/sq ft; this home is listed at $159/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3829 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$369,990$1654/32,2463490
3431 Humphrey Street, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$329,990$1443/2.52,2942010.2
3906 Holstein Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$386,000$1724/32,2461020.2
2635 Royal Pointe Drive, Green Cove Springs, FL 32043Listed by EVERYSTATE INCSep 2026$355,000$1744/22,045831
3330 Meadow Ridge Place, Green Cove Springs, FL 32043Listed by ADAMS HOMES REALTY INCOct 2026$325,000$1734/21,8821151.4
2244 Gardenmoss Drive, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATESep 2026$307,500$1713/21,797351.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$349,990
Price / Sq Ft$159
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,195
Total Structure Area2,845 sq ft
Acres0.12 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNortheast

School Information

ElementaryShadowlawn
MiddleLake Asbury
HighClay

Community Information

Address3819 Holstein Way, Green Cove Springs, FL 32043
Area144-Middleburg-SE
SubdivisionAmberly
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size5,227.2 sq ft
Lot Dimensions50X120
Parcel Number33-05-25-010556-004-84
ZoningResidential

Amenities

AmenitiesNone
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories1
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCleared, Corner Lot
Patio / PorchCovered
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 22, 2025
Days on Market365
HOA Fees$626.27 / Annually
HOA FrequencyAnnually
HOA NameFIRST SERVICE RESIDENTIAL
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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