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Active

Active·199 days on market

435 Lake Asbury Drive

Green Cove Springs, FL 32043

$1,060,000$360/sqftEst. $5,642/moMLS# 2111865

Beds

Baths

2,946

Sq Ft

1994

Built

Garage

Yes

Pool

About this home

Green Cove Springs

Stunning custom-built 2 story pool/spa home with gorgeous spiral staircase in the foyer, is located on Black Creek in Lake Asbury. This 5 bed 3.5 bath colonial all brick, waterfront dream home has so much to offer. It sits high and dry on a bluff overlooking the private, covered boat house with power boat lift as well as an additional private gazebo dock with power/water and a fish cleaning station. Black Creek has deep water and is navigable to the St. Johns River. Inside, this 2-story home has high end hard wood floors and tile. The open floor plan flows nicely. Across the back of the home, there is a wall of windows which provides views to the screen pool, Black Creek and a natural conservation area. The 2nd story has a large balcony across the back of the home with the same views but from above. The Pool bath opens to a private guest BR/Suite. There is a covered RV Parking area & utility Room. Home sits high on a bluff and does not require Flood Insurance.

Cost to own

Mortgage calculator

Home Price

$1,060,000

Down Payment: 20%

$212,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,354

Principal & Interest: $5,354

Est. Taxes & Insurance: $1,339

Estimated Total Monthly

$6,693

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,642

Property taxesest. at asking price, Clay County$1,624

Estimated total, before insurance$7,266/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$965,657	$588,016	—
2024	$953,971	$570,737	—
2023	$913,095	$552,658	—
2022	$750,130	$535,105	—
2021	$650,081	$518,064	—
2020	$632,742	$510,221	—

2024 property taxes (current owner): $9,083/yr

Estimated taxes if purchased at asking price: ~$19,500/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 1994)

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

Septic system (public record) · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,727 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 7, 2026Price change$1,060,000−$10,000
Dec 28, 2025Listed$1,070,000

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

Features

Price$1,060,000

Price / Sq Ft$360

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,946

Acres1.17 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure

Is WaterfrontYes

Direction FacesSouthwest

Community Information

Address435 Lake Asbury Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionLake Asbury

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size50,965.2 sq ft

Parcel Number38052500951100000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Not Available, Water Connected, Other

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingOther, Additional Parking, Carport, Circular Driveway, Detached, Garage, Garage Door Opener, RV Access/Parking

ViewCreek/Stream, Lake, Pool, Water

Waterfront TypeCreek, River Access, Seawall

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Multi Units

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated