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Active

Active·50 days on market

3100 Cold Leaf Way

Green Cove Springs, FL 32043

$461,500$196/sqftEst. $2,456/moMLS# 2146036

Beds

Baths

2,359

Sq Ft

2023

Built

Green Cove Springs

About this home

Welcome to Cross Creek! Built in 2023, this beautifully one-owner home offers 4 bedrooms, 3 full baths. This home is move-in ready and truly feels like new--no updates needed! The single-level floor plan features vaulted ceilings and modern finishes. Why go to the movies when you have an in-home movie theater room that's perfect for family entertaining. Recent upgrades include vinyl fence, extended screened in patio, built-in entertainment center, built in custom kitchen cabinets. Cross Creek residents enjoy resort-style amenities including a pool, clubhouse, fitness center, and playground--all just minutes from Fleming Island shopping, top-rated Clay County schools, and NAS Jacksonville.

Cost to own

Mortgage calculator

Home Price

$461,500

Down Payment: 20%

$92,300

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,456

Principal & Interest: $2,456

Est. Taxes & Insurance: $614

Estimated Total Monthly

$3,070

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$2,456

Property taxesest. at asking price, Clay County$711

HOAbilled annually$2

Estimated total, before insurance$3,169/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$347,855	$0	—

2025 property taxes (current owner): $3,323/yr

Estimated taxes if purchased at asking price: ~$8,500/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 921 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 2023)

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 19, 2026Listed$461,500

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

Features

Price$461,500

Price / Sq Ft$196

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,359

Total Structure Area3,158 sq ft

Acres0.21 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3100 Cold Leaf Way, Green Cove Springs, FL 32043

Area162-Russell Landing/Penney Farms

SubdivisionCross Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size9,147.6 sq ft

Parcel Number46052601030100838

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesNone

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)