Active·91 days on market
3221 Little Fawn Lane Lane
Green Cove Springs, FL 32043
About this home
Green Cove Springs
MOTIVATED SELLER! Welcome to this beautiful 5-bedroom, 3-bathroom home in the desirable Cross Creek community of Green Cove Springs. Built in 2022, this spacious 2,499 sq. ft. home features an open-concept layout designed for modern living. The kitchen offers stainless steel appliances, a large center island, single-basin sink, and abundant cabinetry overlooking the living and dining areas. A first-floor bedroom and full bath provide an ideal setup for guests or multi-generational living. Upstairs features a spacious primary suite with a soaking tub and walk-in closet, three additional bedrooms, and a versatile loft perfect for an office, media room, or play area. Enjoy the backyard with peaceful waterview and a storage shed. Community amenities include pools, splash pad, fitness center, pickleball courts, playground, dog park, and optional boat/RV storage. Conveniently located near A-rated Clay County schools, First Coast Expressway, and NAS JAX.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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: $354,500 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $351,043 | $300,321 | — |
| 2024 | $356,409 | $306,409 | — |
| 2023 | $353,401 | $303,401 | — |
| 2022 | $13,000 | $13,000 | — |
2025 property taxes (current owner): $8,065/yr
Estimated taxes if purchased at asking price: ~$6,800/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 2022)
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 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.
History
Price & status history
- Jul 27, 2026Price change$369,000−$6,000
- Jul 15, 2026Price change$375,000−$9,900
- May 25, 2026Listed$384,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines