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Active

Active·91 days on market

2840 Wild Pine Lane

Green Cove Springs, FL 32043

$395,000$193/sqftEst. $2,102/moMLS# 2139048

Beds

Baths

2,051

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this beautifully maintained home in the desirable Cross Creek community of Green Cove Springs. This 4-bedroom, 3-bath residence features a thoughtfully designed open-concept layout ideal for everyday living and entertaining. The kitchen offers an island, breakfast bar, and modern appliances, seamlessly connecting to the main living and dining areas. Additional highlights include split bedrooms, walk-in closets, smart home features, and a dedicated laundry room. Enjoy a covered screened patio overlooking a serene water view, perfect for relaxing outdoors. Community amenities include a clubhouse, pool, fitness center, and playground. Conveniently located near shopping, dining, and major roadways.

Cost to own

Mortgage calculator

Home Price

$395,000

Down Payment: 20%

$79,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,102

Principal & Interest: $2,102

Est. Taxes & Insurance: $526

Estimated Total Monthly

$2,628

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,102

Property taxesest. at asking price, Clay County$608

HOAbilled annually$8

Estimated total, before insurance$2,719/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$312,743	$0	—

2025 property taxes (current owner): $2,965/yr

Estimated taxes if purchased at asking price: ~$7,300/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 921 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 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 2024)

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 8, 2026Listed$395,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$395,000

Price / Sq Ft$193

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,051

Acres0.18 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address2840 Wild Pine Lane, Green Cove Springs, FL 32043

Area162-Russell Landing/Penney Farms

SubdivisionCross Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,840.8 sq ft

Parcel Number46052601030101251

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LaundryIn Unit

SecuritySmoke Detector(s)