1 / 59

Active

Active·85 days on market

2836 Oak Stream Drive

Green Cove Springs, FL 32043

$398,000$160/sqftEst. $2,118/moMLS# 2139980

Beds

Baths

2,488

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Seller to contribute 2% toward buyer closing cost assistance with an approved offer! 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

$398,000

Down Payment: 20%

$79,600

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,118

Principal & Interest: $2,118

Est. Taxes & Insurance: $530

Estimated Total Monthly

$2,648

*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$2,118

Property taxesest. at asking price, Clay County$613

HOAbilled annually$8

Estimated total, before insurance$2,740/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	$344,128	$293,406	—

2025 property taxes (current owner): $7,960/yr

Estimated taxes if purchased at asking price: ~$7,400/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: 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

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