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Active

Active·244 days on market

3315 Shinnecock Lane

Green Cove Springs, FL 32043

$599,990$171/sqftEst. $3,193/moMLS# 2117760

Beds

Baths

3,509

Sq Ft

2015

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to your dream home in the prestigious Magnolia Point Golf & Country Club, where luxury living meets resort-style amenities in a secure, 24-hour gated community. This beautifully maintained and freshly painted 5-bedroom, 3.5-bath residence features an elegant double-door entry that opens to oak-stained stair treads with iron spindles and spacious formal living and dining areas. The open-concept design flows into a generous family room and gourmet kitchen, complete with granite countertops and built-in stainless steel appliances, ideal for entertaining. A private downstairs bedroom with its own full bath offers flexibility for guests or multi-generational living. Upstairs, the expansive master suite boasts dual walk-in closets, double vanities, a garden tub, and a walk-in shower, while three additional bedrooms and a bonus room with powder bath provide ample space for family and guests.

Cost to own

Mortgage calculator

Home Price

$599,990

Down Payment: 20%

$119,998

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,031

Principal & Interest: $3,031

Est. Taxes & Insurance: $758

Estimated Total Monthly

$3,788

*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$3,193

Property taxesest. at asking price, Clay County$919

HOAbilled quarterly$153

Estimated total, before insurance$4,266/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	$662,014	$330,656	—
2024	$651,268	$320,630	▲ $12,677
2023	$635,885	$309,835	—
2022	$545,713	$299,355	—
2021	$226,641	$176,641	—
2020	$390,793	$284,498	—

2024 property taxes (current owner): $6,032/yr

Estimated taxes if purchased at asking price: ~$11,000/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.

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 2015)

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

Solar potential: ~1,671 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

Nov 13, 2025Listed$599,990

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

Features

Price$599,990

Price / Sq Ft$171

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,509

Total Structure Area4,536 sq ft

Acres0.22 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3315 Shinnecock Lane, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size9,583.2 sq ft

Parcel Number05062601523101738

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Fitness Center, Golf Course, Playground

UtilitiesCable Available, Electricity Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories2

SecurityCarbon Monoxide Detector(s), Gated with Guard