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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active·4 days on market

2425 Morganza Way

Green Cove Springs, FL 32043

$390,836$164/sqftEst. $2,165/moMLS# 2138009
↓ $14,644 below original list
4
Beds
3
Baths
2,382
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $160/mo7,841 sqft lotSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Green Cove Springs

***MOVE IN READY - BRAND NEW HOME*** This stunning Abaco II 4 bed/3 bath Lennar home invites you in with soaring 9' ceilings, 8' doors, and warm LVP floors. The gourmet kitchen--quartz counters, 42'' cabinets, single-basin sink, pullout faucet, and stainless appliances--flows seamlessly into open living spaces perfect for gatherings. Retreat to serene bedrooms with plush carpet or unwind in spa-like baths with tiled showers and European-height vanities. Sip morning coffee or host friends on the extended screened lanai overlooking a landscaped, irrigated yard. Curb appeal shines with a paved drive, rain gutters, and a striking glass front door. With Lennar's Everything's Included package: upgrades come standard. Extras: hurricane-ready truss system, energy efficiency, warranty, termite bond, no CDD fees, and HOA with high-speed internet. (Conditions may apply)

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$2,165
Property taxesest. at asking price, Clay County$599
HOAbilled quarterly$160
Estimated total, before insurance$2,924/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$534/yr · $44/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

$390,836
$78,167
Loan Term
Monthly Payment
$2,165
Principal & Interest: $2,165
Property taxes (est.): $599
Insurance (est.): $261
Estimated Total Monthly
$3,024
*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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,702 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$35,000$35,000—
2024$35,000$35,000—

2025 property taxes (current owner): $534/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.

History

Price & status history

  • Oct 7, 2026Price change$390,836+$5,856
  • Sep 15, 2026Pending$384,980
  • Aug 5, 2026Price change$384,980−$500
  • Jul 27, 2026Price change$385,480−$20,000
  • Apr 2, 2026Listed$405,480

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 $193/sq ft; this home is listed at $164/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3229 Crocus Lane, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATEOct 2026$395,000$1824/22,173351.3
3616 Americana Drive, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$400,000$1864/32,153621.3
3242 Pipers Way, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$342,500$1934/21,7751501.3
3608 Americana Drive, Green Cove Springs, FL 32043Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$331,000$1864/21,77581.3
3208 Saffron Court, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$429,990$1944/22,213151.4
3322 Willowleaf Lane, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$431,990$1954/22,2131281.4

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$390,836
Price / Sq Ft$164
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,382
Acres0.18 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address2425 Morganza Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionRussell Retreat
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size7,840.8 sq ft
Parcel Number10052500933901545

Amenities

AmenitiesPlayground, Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

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

Additional Information

Date ListedOctober 7, 2026
Days on Market188
HOA Fees$479.81 / Quarterly
HOA FrequencyQuarterly
Tax Amount$533.84
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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