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Sold

Sold·Closed Jul 15, 2026·119 days on market

3620 Zydeco Loop

Green Cove Springs, FL 32043

$439,000sold priceListed at $439,000 · 100% of asking$169/sqftMLS# 2128476
3
Beds
2.5
Baths
2,600
Sq Ft
2026
Built
3
Garage
No
Pool
HOA $13/mo7,841 sqft lotWaterfrontSingle Family Residence1 storyNew construction

About this home

Green Cove Springs

Step into the popular Easley floorplan, enhanced with a timeless Craftsman elevation. This beautifully appointed 3-Bedroom, 2.5-Bath home offers an Open-Concept layout, a spacious 3-Car Garage, and Luxury Vinyl Plank flooring throughout the main living areas. The Gourmet Kitchen serves as the centerpiece of the home, featuring built-in Stainless Steel Whirlpool Appliances—including a Range, Microwave, and Dishwasher—along with stylish 42'' Trenton Quill Upper Cabinets, a classic Subway Tile Backsplash, and Quartz Countertops. The light-filled Gathering Room showcases an upgraded Tray Ceiling and flows effortlessly to the Covered Lanai, creating an inviting space for relaxing or entertaining. Additional upgrades elevate the home even further, including Faux Wood Blinds, a Whirlpool Refrigerator, Washer and Dryer, Smart Home features, upgraded 8' Interior Doors, and an enhanced Hardware Package. This stunning new home is ready to impress—schedule your private tour today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,432
Property taxesest. at asking price, Clay County$673
HOAbilled monthly$13
Estimated total, before insurance$3,117/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,681/yr · $307/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$439,000
$87,800
Loan Term
Monthly Payment
$2,432
Principal & Interest: $2,432
Property taxes (est.): $673
Insurance (est.): $293
Estimated Total Monthly
$3,397
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,662 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

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.

Cost to own

Taxes & assessment

Last sold: $10,729,500 in February 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$65,000$65,000—
2024$65,000$65,000—

2025 property taxes (current owner): $3,681/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

History

Price & status history

  • Jul 16, 2026Closed$439,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $186/sq ft; this home is listed at $169/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3208 Saffron Court, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$429,990$1944/22,213150.1
3457 Americana Drive, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$454,970$1545/3.52,961550.1
3322 Willowleaf Lane, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$431,990$1954/22,2131280.1
3229 Crocus Lane, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATEOct 2026$395,000$1824/22,173350.3
2531 Coral Lane, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$340,000$1704/21,997310.3
3616 Americana Drive, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$400,000$1864/32,153620.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$439,000
Price / Sq Ft$169
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,600
Acres0.18 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes

Community Information

Address3620 Zydeco Loop, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionHyland Trail
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size7,840.8 sq ft
Parcel Number15052500933800659

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesDryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 4, 2026
Days on Market119
HOA Fees$12.5 / Monthly
HOA FrequencyMonthly
Tax Amount$3,680.8
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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