Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 64

Active

Active·206 days on market

2465 Falling Star Lane

Green Cove Springs, FL 32043

$399,990$156/sqftEst. $2,054/moMLS# 2127469

Beds

Baths

2,560

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

PRICE IMPROVEMENT ! This spacious 5-bedroom, 3-bath home features numerous upgrades throughout. Front porch is inviting to the home. Enjoy brand-new flooring in the main living areas and downstairs bathroom, along w/ a beautifully updated kitchen showcasing a large single-basin sink, stylish shiplap accents & tile backsplash. The well-designed floor plan includes a full bedroom and bathroom on the main level-ideal for guests or multigenerational living. Upstairs offers 4 additional bedrooms plus a versatile loft space, perfect for a home office, playroom, or media area. With plenty of room to grow, relax and make memories. This home is ready for its next family. Located in the desirable Cross Creek Community, this neighborhood offers resort-style amenities including a lap pool, zero-entry pool, splash pad, pickle ball courts, dog park, fitness center & playground. Boat & RV storage are available for add'l fee. Conveniently located near Fleming Island

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,054

Principal & Interest: $2,054

Property taxes (est.): $613

Insurance (est.): $267

Estimated Total Monthly

$2,934

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,054

Property taxesest. at asking price, Clay County$613

HOAbilled annually$8

Estimated total, before insurance$2,676/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,122/yr · $677/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: $363,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$354,765	$304,043	—
2024	$359,428	$309,428	—
2023	$45,000	$45,000	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $8,122/yr

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 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

As 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