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Pending

Pending·337 days on market

3221 Silverado Circle

Green Cove Springs, FL 32043

$327,900$151/sqftEst. $1,691/moMLS# 2107045

Beds

Baths

2,165

Sq Ft

2008

Built

Garage

Pool

About this home

Green Cove Springs

NEW ROOF 10/15 and $2,500 towards closing! All-brick, single-story home offers over 2,100 sq ft of living space on a spacious lot in one of Green Cove Springs' most desirable communities. Inside, you'll find a well-designed split-bedroom floor plan with open living and dining areas. Step outside and enjoy an oversized new vinyl fenced flat backyard — perfect setup for your future pool. A two-car garage, brick exterior, and concrete driveway add lasting durability and curb appeal. This property is positioned for growth. With the First Coast Expressway coming in, commutes to Jacksonville and surrounding areas will be faster and more convenient than ever, adding long-term value to this location. You're just minutes from Fleming Island's business district, giving you access to one of the area's most vibrant commercial hubs. Even better, this home is walking distance to the Neighborhood park, and pool, making it easy to enjoy the best of Silver Creek living outside your door

Cost to own

Mortgage calculator

Home Price

$327,900

Down Payment: 20%

$65,580

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,691

Principal & Interest: $1,691

Property taxes (est.): $503

Insurance (est.): $219

Estimated Total Monthly

$2,412

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,691

Property taxesest. at asking price, Clay County$502

HOAbilled quarterly$55

Estimated total, before insurance$2,248/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,178/yr · $265/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: $87,400 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$326,444	$326,444	—
2024	$331,647	$331,647	—
2023	$333,721	$333,721	—
2022	$300,067	$50,468	—
2021	$216,672	$46,086	—
2020	$209,351	$44,070	—

2024 property taxes (current owner): $3,178/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.