Sold·Closed Sep 25, 2026·98 days on market
3468 Shelley Drive
Green Cove Springs, FL 32043
About this home
Green Cove Springs
NEW PRICE--NOW $270,000 WITH FURNITURE INCLUDED! Located in the Arava community of Green Cove Springs, this single-story, 3-bedroom, 2-bath home offers an easier move with living room, dining room and primary bedroom furniture included as well as washer and dryer. Major improvements are already handled: a 2026 roof with transferable 10-year warranty, 2026 water heater and 2022 Trane HVAC. Tile and LVP flooring throughout mean no carpet to replace. The split-bedroom floor plan features vaulted ceilings, a formal dining room and large primary bedroom. Outside, the fully fenced backyard backs to trees with no home immediately behind it. Additional features include a coquina exterior, 2-car courtyard-entry garage, fresh paint, new blinds and Nest thermostat. HOA is only $245/year. USDA financing may be available for qualified buyers. Previously under contract and available again through no fault of the seller.
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.
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 — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer (public record) · Public water · Clay County Utilities
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: ~1,733 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $246,558 | $60,964 | — |
| 2024 | $243,121 | $63,398 | — |
| 2023 | $240,834 | $60,096 | — |
| 2022 | $213,518 | $56,890 | — |
| 2021 | $169,737 | $53,777 | — |
| 2020 | $152,710 | $52,345 | — |
2025 property taxes (current owner): $1,449/yr
Estimated taxes if purchased at asking price: ~$5,000/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.
History
Price & status history
- Sep 29, 2026Closed$270,000
- Aug 26, 2026Pending$270,000
- Aug 17, 2026Price change$270,000−$10,000
- Aug 11, 2026Price change$280,000−$5,000
- Aug 1, 2026Price change$285,000−$10,000
- Jul 28, 2026Price change$295,000−$5,000
- Jul 23, 2026Price change$300,000+$15,000
- Jul 9, 2026Pending$285,000
- May 6, 2026Listed$285,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $204/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3275 Sexton Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2026 | $282,500 | $193 | 3/2 | 1,465 | 56 | 0.1 |
| 540 Arthur Moore Drive, Green Cove Springs, FL 32043Listed by EXPLORE REALTY INC. | Aug 2026 | $415,000 | $237 | 3/2 | 1,754 | 199 | 0.4 |
| 2731 Fabius Court, Green Cove Springs, FL 32043Listed by ANCHOR REALTY FLORIDA | Oct 2026 | $296,900 | $221 | 3/2 | 1,344 | 5 | 0.7 |
| 3224 Ryans Court, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $242,000 | $204 | 3/2 | 1,189 | 8 | 0.7 |
| 3237 Bream Way, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $310,000 | $182 | 3/2 | 1,705 | 44 | 0.8 |
| 2244 Gardenmoss Drive, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $307,500 | $171 | 3/2 | 1,797 | 35 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ROUND TABLE REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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