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Active

Active·131 days on market

2836 Oak Stream Drive

Green Cove Springs, FL 32043

$390,000$157/sqftEst. $2,003/moMLS# 2139980

Beds

Baths

2,488

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Located in desirable Cross Creek, this home offers abundant space, style, and serene water views. Built in 2023, this spacious two-story home features an open floor plan designed for modern living. The first floor showcases durable LVP flooring throughout the living, dining, and kitchen areas. The kitchen offers 42'' cabinets, abundant counter space, and a custom pantry, all open to the main gathering space. A convenient mudroom adds everyday functionality. Upstairs, generously sized bedrooms feature large walk-in closets, including a spacious primary suite. Enjoy outdoor living on the pavered patio overlooking a peaceful pond view with partial preserve for added privacy. Additional features include irrigation and a wired security system with cameras. Community amenities include a clubhouse, pool, fitness center, and sports courts, with easy access to shopping, schools, and NAS.

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,003

Principal & Interest: $2,003

Property taxes (est.): $598

Insurance (est.): $260

Estimated Total Monthly

$2,861

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,003

Property taxesest. at asking price, Clay County$598

HOAbilled annually$8

Estimated total, before insurance$2,609/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,994/yr · $416/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

Last sold: $370,000 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$344,128	$293,406	—
2024	$348,582	$348,582	—
2023	$45,000	$45,000	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $4,994/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.

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: material not specified — year not disclosed (home built 2023)

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

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