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Pending

Pending·125 days on market

3544 Zydeco Loop

Green Cove Springs, FL 32043

$391,590$228/sqftEst. $1,997/moMLS# 2136141

Beds

Baths

1,716

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

New Construction Home - This Camden plan boasts 1,710 sq ft with 3 Beds, 2 Baths with a 2 car garage. The spacious primary bedroom offers a serene retreat, complete with a large, well-appointed bathroom for ultimate comfort with an extended, tiled walk-in shower. The open-concept layout flows seamlessly from the roomy gourmet kitchen, equipped with a pantry and a cozy café area, to the inviting living spaces. For formal gatherings, a separate dining room provides an elegant setting. Interior finishes such as upgraded white cabinets, Quartz counters in kitchen, quartz counters in baths, and upgraded wood-look vinyl plank in the main areas! Amazing neutral pallet to for your dream space and on a lovely large exterior homesite !!

Cost to own

Mortgage calculator

Home Price

$391,590

Down Payment: 20%

$78,318

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,997

Principal & Interest: $1,997

Property taxes (est.): $600

Insurance (est.): $261

Estimated Total Monthly

$2,858

*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$1,997

Property taxesest. at asking price, Clay County$600

HOAbilled annually$13

Estimated total, before insurance$2,609/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,673/yr · $389/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): $4,673/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

Solar potential: ~1,727 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$391,590

Price / Sq Ft$228

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,716

Total Structure Area2,329 sq ft

Acres0.30 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3544 Zydeco Loop, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size13,068 sq ft

Parcel Number15052500933800643

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level

SecuritySmoke Detector(s)