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Sold

Sold·Closed Jun 29, 2026·4 days on market

3555 Citation Drive

Green Cove Springs, FL 32043

$295,000sold priceListed at $295,000 · 100% of asking$201/sqftMLS# 2146470
3
Beds
2
Baths
1,465
Sq Ft
1996
Built
2
Garage
No
Pool
HOA $16/mo14,810 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

Welcome home to this beautifully maintained 3-bedroom, 2-bath residence offering 1,465 square feet of comfortable living space in the highly desirable Asbury Downs. Situated on a spacious corner lot shaded by gorgeous mature oak trees, this home combines charm, functionality, and outdoor living at its finest. Inside, you'll find soaring 9-foot ceilings, a cozy wood-burning fireplace, and fresh exterior paint completed within the last few years. The thoughtfully designed layout includes a spacious primary suite featuring his-and-her closets, providing plenty of storage and convenience. Major systems include a 2018 HVAC system, a 2015 roof, and a new irrigation system installed just three years ago. Step outside to your private backyard retreat complete with a fully fenced vinyl yard, an expansive paver patio, fire pit sitting area, and an impressive outdoor kitchen-perfect for entertaining family and friends year-round. The covered back porch offers the ideal place to relax and enjoy

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,634
Property taxesest. at asking price, Clay County$452
HOAbilled annually$16
Estimated total, before insurance$2,103/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,587/yr · $216/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$295,000
$59,000
Loan Term
Monthly Payment
$1,634
Principal & Interest: $1,634
Property taxes (est.): $452
Insurance (est.): $197
Estimated Total Monthly
$2,283
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2015 per the listing

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

Solar potential: ~1,701 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

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

YearMarket valueTaxable valueChange
2025$265,743$135,578—
2024$244,613$131,050—
2023$240,282$125,777—
2022$203,846$120,658—
2021$165,688$115,688—
2020$159,069$156,927—

2025 property taxes (current owner): $2,587/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

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 $201/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3275 Sexton Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLESep 2026$282,500$1933/21,465560.2
3468 Shelley Drive, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTYSep 2026$270,000$1843/21,469980.3
3224 Ryans Court, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$242,000$2043/21,18980.4
2731 Fabius Court, Green Cove Springs, FL 32043Listed by ANCHOR REALTY FLORIDAOct 2026$296,900$2213/21,34450.5
3237 Bream Way, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLCSep 2026$310,000$1823/21,705440.5
540 Arthur Moore Drive, Green Cove Springs, FL 32043Listed by EXPLORE REALTY INC.Aug 2026$415,000$2373/21,7541990.5

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

Price$295,000
Price / Sq Ft$201
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,465
Acres0.34 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address3555 Citation Drive, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionAsbury Downs
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size14,810.4 sq ft
Parcel Number28052501011001228

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, His and Hers Closets, Pantry
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
FencingFull, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedMay 21, 2026
Days on Market4
HOA Fees$197.39 / Annually
HOA FrequencyAnnually
Tax Amount$2,587.2
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXIT INSPIRED REAL ESTATE

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 29, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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