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Active

Active·265 days on market

2381 Birch Pine Way

Green Cove Springs, FL 32043

$390,000$156/sqftEst. $2,076/moMLS# 2112964

Beds

Baths

2,499

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this stunning 5-bedroom, 3-bath home in the desirable Cross Creek community of Green Cove Springs! Built in 2023, this spacious 2,499 sq. ft. residence features an open-concept layout designed for modern living. The bright kitchen boasts stainless steel appliances, a large center island, & abundant cabinet space, seamlessly flowing into the dining & living areas, perfect for family gatherings & entertaining. A guest bedroom & full bath are conveniently located on the first floor, while the primary suite and three additional bedrooms are upstairs, along with a versatile loft ideal for an office, playroom, or media space. Step outside to a generously sized backyard, perfect for outdoor activities or relaxing evenings. Residents of Cross Creek enjoy resort-style amenities, including a pool, clubhouse, fitness center, and playground. Conveniently located near top-rated schools, parks, shopping, and the new First Coast Expressway!!!

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,076

Principal & Interest: $2,076

Est. Taxes & Insurance: $519

Estimated Total Monthly

$2,595

*Estimates based on 30-year loan at 7% APR. 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$2,076

Property taxesest. at asking price, Clay County$601

HOAbilled annually$8

Estimated total, before insurance$2,685/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	$354,765	$304,043	—

2024 property taxes (current owner): $8,719/yr

Estimated taxes if purchased at asking price: ~$7,200/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 921 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 2023)

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

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