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Pending

Pending·86 days on market

3439 Americana Drive

Green Cove Springs, FL 32043

$429,990$145/sqftEst. $2,289/moMLS# 2141026

Beds

Baths

2,956

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Sample Image This St. Johns plan boasts 2961 sq ft with 4 Beds, 3.5 Baths with a 2 car garage. The spacious downstairs Owner's Suite bedroom offers a serene retreat, complete with an oversized walk-in closet and bathroom with a tiled walk-in shower. The beautiful layout flows seamlessly from the roomy gourmet kitchen, equipped with a walk-in pantry.

Cost to own

Mortgage calculator

Home Price

$429,990

Down Payment: 20%

$85,998

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,172

Principal & Interest: $2,172

Est. Taxes & Insurance: $543

Estimated Total Monthly

$2,715

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$2,289

Property taxesest. at asking price, Clay County$659

HOAbilled annually$13

Estimated total, before insurance$2,960/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	$65,000	$65,000	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $4,673/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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.

Features

Price$429,990

Price / Sq Ft$145

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,956

Total Structure Area3,751 sq ft

Acres0.20 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3439 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size8,712 sq ft

Lot Dimensions50x120

Parcel Number15052500933800701

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, 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 Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level

SecuritySmoke Detector(s)