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Pending

Pending·176 days on market

2630 Fern Leaf Drive

Green Cove Springs, FL 32043

$310,000$191/sqftEst. $1,581/moMLS# 2129347

Beds

Baths

1,625

Sq Ft

2005

Built

Garage

Pool

About this home

Green Cove Springs

**5K Price Improvement + 3K towards closing cost** This beautiful, cozy and comfortable home is waiting for you in Green Cove Springs! Open floor plan with 3 bedrooms, 2 bathrooms, indoor washer and dryer room and plenty of storage throughout. So many upgrades - windows installed in 2019, AC heat pump and air ducts replaced. Hot water heater replaced in 2023. Washer and dryer will remain and were purchased in 2025 with new dishwasher. Undated primary bath includes new shower, ceiling, vanity and lighting. Rhinoshield has a transferrable warranty. Hugh front yard and breathtaking backyard where mornings feel calmer and evenings unwind themselves. Thoughtfully laid out for everyday comfort with natural beauty and a sense of escape you don't find every day. Photos don't totally capture the atmosphere- this is one you need to experience in person. Schedule your showing and see why this view changes everything!!

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,581

Principal & Interest: $1,581

Property taxes (est.): $475

Insurance (est.): $207

Estimated Total Monthly

$2,262

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,581

Property taxesest. at asking price, Clay County$475

HOAbilled monthly$55

Estimated total, before insurance$2,111/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$238,575	$51,539	—
2024	$242,283	$49,239	—
2023	$243,967	$46,203	—
2022	$216,270	$47,756	—
2021	$155,834	$44,895	—
2020	$152,388	$43,578	—

Estimated taxes if purchased at asking price: ~$5,700/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.

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 2005)

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

Solar potential: ~1,754 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.

Features

Price$310,000

Price / Sq Ft$191

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,625

Total Structure Area2,066 sq ft

Acres0.17 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address2630 Fern Leaf Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionSilver Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,318.08 sq ft

Parcel Number22052501010900729

ZoningResidential

Amenities

AmenitiesPool, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAdditional Parking, Garage, Garage Door Opener, Guest

ViewOther

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesCommunity