Pending·155 days on market
3580 Derby Forest Drive
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Welcome to this beautifully maintained two-story residence located in the highly desirable Magnolia West community of Green Cove Springs. Built by D.R. Horton, this sought-after floor plan offers the perfect blend of space, functionality, and modern comfort. Situated on an oversized, fully fenced lot, this home features 5 bedrooms and 3 full bathrooms, thoughtfully designed to accommodate both everyday living and entertaining. The main level showcases an open-concept layout with an expansive kitchen overlooking the gathering room, along with a dedicated flex space ideal for formal dining, a home office, or playroom. A first-floor bedroom with adjacent full bath provides the perfect setup for guests, multi-generational living, or a private workspace. This room also offers enhanced security features, including a reinforced door and locking system, making it a unique and versatile space.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,714 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $381,279 | $330,557 | — |
| 2024 | $380,837 | $330,837 | ▲ $5,012 |
| 2023 | $375,456 | $321,662 | — |
| 2022 | $360,837 | $310,837 | — |
| 2021 | $254,025 | $254,025 | — |
| 2020 | $30,000 | $30,000 | — |
2025 property taxes (current owner): $7,461/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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE
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.
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