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Active·22 days on market

929 Lake Asbury Drive

Green Cove Springs, FL 32043

$425,000$148/sqftEst. $2,167/moMLS# 2129972

Beds

Baths

2,880

Sq Ft

1974

Built

Garage

Pool

About this home

Green Cove Springs

''Live Your Lifestyle''. Stunning lakefront house on high elevation. Welcome to 929 Lake Asbury. The opportunity is endless. Enjoy terrific views of Lake Asbury. Fishing, watersports and wildlife are at your door. The property is approximetly 1 acre and is fully fenced. The house has been taken down to the studs and ready for personal finishwork to make it your piece of paradise. Schedule a private showing.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,102

*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$2,167

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,818/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,013/yr · $751/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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: $460,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$410,088	$410,088	—
2024	$450,907	$450,907	—
2023	$516,732	$216,198	—
2022	$446,425	$208,445	—
2021	$360,989	$200,918	—
2020	$347,174	$197,454	—

2025 property taxes (current owner): $9,013/yr

Estimated taxes if purchased at asking price: ~$7,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 1974)

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

Likely septic · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

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