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Active

Active·93 days on market

3626 Mammaroneck Court

Green Cove Springs, FL 32043

$699,900$224/sqftEst. $3,569/moMLS# 2141605

Beds

Baths

3,127

Sq Ft

1995

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this beautifully maintained and thoughtfully upgraded home nestled on a quiet cul-de-sac in the highly sought-after Magnolia Point Golf & Country Club. Enjoy serene pond and golf course views from your own backyard, along with a private courtyard and tranquil meditation garden--perfect for relaxation or entertaining. This unique property features a detached guest suite with its own bedroom and bathroom, ideal for multigenerational living, guests, or added privacy. Inside, the home boasts an additional 400 sq ft from the enclosed lanai, offering flexible living space filled with natural light. The gourmet kitchen is designed for both function and style, complemented by a cozy gas fireplace in the living area. The spacious primary suite includes a spa-like bathroom with a jetted soaking tub for ultimate comfort. The home is also wheelchair accessible, providing convenience and ease of mobility.

Cost to own

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,569

Principal & Interest: $3,569

Property taxes (est.): $1,073

Insurance (est.): $467

Estimated Total Monthly

$5,108

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,569

Property taxesest. at asking price, Clay County$1,073

HOAbilled quarterly$168

Estimated total, before insurance$4,810/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,514/yr · $376/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

Year	Market value	Taxable value	Change
2025	$475,238	$242,226	—
2024	$469,441	$234,692	▲ $8,458
2023	$463,752	$226,400	—
2022	$416,300	$218,350	—
2021	$334,698	$210,534	—
2020	$321,692	$206,937	—

2025 property taxes (current owner): $4,514/yr

Estimated taxes if purchased at asking price: ~$12,900/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.

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 1995)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,680 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 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

Price & status history

Apr 24, 2026Listed$699,900

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

Features

Price$699,900

Price / Sq Ft$224

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,127

Acres0.71 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3626 Mammaroneck Court, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size30,927.6 sq ft

Parcel Number04062601523100264

ZoningResidential

Amenities

AmenitiesPool, Golf Course, Security, Tennis Court(s)

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewGolf Course, Pond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, In-Law Floorplan, Kitchen Island, Pantry, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

Security24 Hour Security, Security System Owned, Smoke Detector(s)

Exterior

Exterior FeaturesCourtyard

Lot DescriptionCul-De-Sac, On Golf Course

Patio / PorchGlass Enclosed, Patio

FencingWrought Iron

RoofShingle

ConstructionBrick

Road SurfaceAsphalt

Additional Information

Date ListedApril 24, 2026

Days on Market91

HOA Fees$505.32 / Quarterly

HOA FrequencyQuarterly

Tax Amount$4,514.09

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ERA ONETEAM REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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