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Pending

Pending·88 days on market

3659 Americana Drive

Green Cove Springs, FL 32043

$454,000$198/sqftEst. $2,341/moMLS# 2144873

Beds

Baths

2,296

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Introducing the brand-new AllGen Concord floor plan, thoughtfully designed for multi-generational living with private separate quarters that include a full bath and convenient kitchenette. This spacious 4-bedroom, 3-bath home features an open-concept layout, a 3-car garage, an enclosed flex room, and luxury vinyl plank flooring throughout the main living areas. The gourmet kitchen is complete with a premium appliance package featuring a cooktop with a wood hood, built-in oven and microwave tower, refrigerator, and dishwasher. Elegant 42'' white cabinets, a Flow White tile backsplash, sleek quartz countertops, and a large island with pendant lighting elevate the space. The gathering room is enhanced by an upgraded tray ceiling and flows seamlessly to the covered lanai. Additional highlights include a Smart Home Package, upgraded 8' interior doors, an enhanced laundry room with cabinetry and sink, beautifully appointed bathrooms, upgraded hardware finishes, and much more. Schedule today!

Cost to own

Mortgage calculator

Home Price

$454,000

Down Payment: 20%

$90,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,341

Principal & Interest: $2,341

Property taxes (est.): $696

Insurance (est.): $303

Estimated Total Monthly

$3,340

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,341

Property taxesest. at asking price, Clay County$696

HOAbilled monthly$13

Estimated total, before insurance$3,049/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,681/yr · $307/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

Last sold: $3,243,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $3,681/yr

Estimated taxes if purchased at asking price: ~$8,300/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 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

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

Jul 13, 2026Pending$454,000
May 12, 2026Listed$454,000

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

Features

Price$454,000

Price / Sq Ft$198

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,296

Acres0.33 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address3659 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size14,374.8 sq ft

Parcel Number15052500933800813

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup