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Active Under Contract

Active Under Contract·72 days on market

1099 Lake Asbury Drive

Green Cove Springs, FL 32043

$630,000$232/sqftEst. $3,212/moMLS# 2143722

Beds

Baths

2,718

Sq Ft

1968

Built

Garage

Pool

About this home

Green Cove Springs

NEW AC Units (Jun 2026) adds $20K value! 2021 Roof! Welcome to the original Lake Asbury where charm, space, and lifestyle come together on over 1 acre of private, waterfront property. Fronting a spring-fed lake, this home offers arguably some of the best views on the lake. All without required flood insurance! Spend your afternoons enjoying true Florida lake life--fishing for trophy bass, boating, jet skiing, or taking in the wildlife from your private dock. Golf cart community close to conveniences like grocery stores, fire stations, and schools (all within 3 miles). The home features 3 bedrooms - potential to expand to 5 or enjoy a third-floor loft or office. Whether you love the existing charm or envision a more modern transformation, this home offers the perfect canvas. Authentic mid-century character, including classic Saltillo tile flooring-a timeless feature that can be customized by staining to match your preferred aesthetic. If waterfront is a must, tour today!

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,212

Principal & Interest: $3,212

Property taxes (est.): $965

Insurance (est.): $420

Estimated Total Monthly

$4,598

*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$3,212

Property taxesest. at asking price, Clay County$965

Estimated total, before insurance$4,178/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,414/yr · $285/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	$529,074	$89,971	—
2024	$526,365	$85,178	—
2023	$544,055	$79,639	—
2022	$469,039	$78,762	—
2021	$401,215	$73,541	—
2020	$377,790	$59,213	—

2025 property taxes (current owner): $3,414/yr

Estimated taxes if purchased at asking price: ~$11,600/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,612 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