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Pending

Pending·161 days on market

2682 Charmer Court

Green Cove Springs, FL 32043

$659,990$208/sqftEst. $3,365/moMLS# 2130149

Beds

Baths

3,174

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

The Avalon II is a spacious home offering 3174 square feet of living space. This model features: 5 bedrooms, 4 bathrooms, 3-car garage Gourmet kitchen, Coffered ceiling in the great room, Large shower and water closet. This home is part of Hyland Trail, an expansive 750-acre community in Clay County, situated along Henley Road. Hyland Trail seamlessly blends modern living with natural beauty, offering residents a range of thoughtfully designed amenities: Multi-purpose trail network connecting neighborhood parks Resort-style pool Dynamic play park for children Dedicated dog park

Cost to own

Mortgage calculator

Home Price

$659,990

Down Payment: 20%

$131,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,365

Principal & Interest: $3,365

Property taxes (est.): $1,011

Insurance (est.): $440

Estimated Total Monthly

$4,817

*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$3,365

Property taxesest. at asking price, Clay County$1,011

HOAbilled annually$13

Estimated total, before insurance$4,389/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,247/yr · $437/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

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $5,247/yr

Estimated taxes if purchased at asking price: ~$12,100/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.

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.

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$659,990

Price / Sq Ft$208

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,174

Total Structure Area3,784 sq ft

Acres0.29 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address2682 Charmer Court, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size12,632.4 sq ft

Parcel Number15052500933800804

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level

SecuritySmoke Detector(s)