Active·317 days on market
3890 Holstein Way
Green Cove Springs, FL 32043
About this home
Green Cove Springs
The Emory home plan features a well-crafted design with 4 bedrooms, 3 bathrooms, and 2289 square feet of living space. This thoughtfully designed home boasts an open-concept layout, seamlessly integrating the gourmet kitchen, dining area, and spacious living room, perfect for both entertaining and everyday living. The additional bedrooms offer versatility and ample space for family, guests, or a home office. With a 2-car garage and modern finishes throughout, the Emory home plan combines functionality, style, and convenience, providing an exceptional living experience for its residents. Photos are representative of a Emory Floorplan**
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $20,000 | $20,000 | ▲ $5,000 |
Estimated taxes if purchased at asking price: ~$7,400/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.
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 homeAs 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
Price & status history
- Sep 9, 2025Listed$403,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Amberly
Active$399,990MLS# 2152433Est. $2,129/mo3897 Holstein Way, Green Cove Springs, FL 320434 Beds2 Baths2,500 sqftSample Image Vero Two story 4/3/2. Open floor plan with large kitchen, Loft and walk in pantry . Large covered…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$397,490MLS# 2105138Est. $2,116/mo3829 Holstein Way, Green Cove Springs, FL 320434 Beds3 Baths2,246 sqftThis charming ranch-style home offers a blend of comfort and elegance with its open-concept design and thoughtful…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$416,990MLS# 2147792Est. $2,219/mo3906 Holstein Way, Green Cove Springs, FL 320434 Beds3 Baths2,246 sqftSample Image This beautiful home features 4 bedrooms and 3 baths, offering plenty of space for comfortable living. The…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$389,990MLS# 2152435Est. $2,076/mo3852 Holstein Way, Green Cove Springs, FL 320434 Beds3 Baths2,190 sqftSample Image The Camden with Bonus is always at the top of the list. This home defines the word ''cozy'' featuring 4…
ResidentialOLYMPUS EXECUTIVE REALTY, INC
Keep looking
Similar homes in Green Cove Springs
Active$431,990MLS# 2137653Est. $2,299/mo3322 Willowleaf Lane, Green Cove Springs, FL 320434 Beds2 Baths2,213 sqftResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$364,490MLS# 2105136Est. $1,940/mo3819 Holstein Way, Green Cove Springs, FL 320434 Beds3 Baths2,195 sqftResidentialOLYMPUS EXECUTIVE REALTY, INC
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
7/24/2026
1:00 pm - 5:00 pm
7/25/2026
1:00 pm - 5:00 pm
7/26/2026
1:00 pm - 5:00 pm
7/31/2026
1:00 pm - 5:00 pm
8/1/2026
1:00 pm - 5:00 pm
8/2/2026
1:00 pm - 5:00 pm
8/7/2026
1:00 pm - 5:00 pm
8/8/2026
1:00 pm - 5:00 pm
8/9/2026
1:00 pm - 5:00 pm