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Active

Active·126 days on market

2035 Denton Trace

Green Cove Springs, FL 32043

$309,900$182/sqftEst. $1,654/moMLS# 2146605
↓ $5,000 below original list
4
Beds
2
Baths
1,700
Sq Ft
2022
Built
2
Garage
No
Pool
FEMA Zone XHOA $60/mo6,098 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

Experience the perfect blend of modern energy efficiency and small-town ''Old Florida'' charm in the highly desirable, NO CDD community of Willow Springs. Built by DR Horton, this popular and meticulously maintained Neuville model features 4 bedrooms, 2 bathrooms, a 2-car garage, and 1,700 square feet of bright, open-concept living space. Designed for seamless everyday life and effortless entertaining, the spacious layout boasts an abundance of natural light connecting the family room and dining areas. At the heart of the home is a chef-friendly kitchen equipped with a generously sized food-prep island, sleek stainless steel appliances, a walk-in pantry, a dedicated coffee bar, and ample cabinet space. The private owner's suite easily accommodates a king-sized bedroom set and features a roomy walk-in closet alongside an ensuite bathroom with a double-sink vanity, linen closet, and a relaxing garden tub/shower combination. Move right in and enjoy immediate protection with a fully

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,654
Property taxesest. at asking price, Clay County$475
HOAbilled quarterly$60
Estimated total, before insurance$2,190/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,999/yr · $333/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

$309,900
$61,980
Loan Term
Monthly Payment
$1,654
Principal & Interest: $1,654
Property taxes (est.): $475
Insurance (est.): $207
Estimated Total Monthly
$2,336
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: material not specified — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,786 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

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.

Cost to own

Taxes & assessment

Last sold: $315,000 in December 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$263,203$207,481—
2024$263,280$208,280—
2023$261,179$206,179—
2022$25,000$25,000—

2025 property taxes (current owner): $3,999/yr

Estimated taxes if purchased at asking price: ~$5,700/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

  • Jul 30, 2026Price change$309,900−$5,000
  • May 22, 2026Listed$314,900

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

Features

Price$309,900
Price / Sq Ft$182
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,700
Acres0.14 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2035 Denton Trace, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionWillow Springs
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size6,098.4 sq ft
Parcel Number32052601446200566

Amenities

AmenitiesPool, Other, Clubhouse, Playground
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewProtected Preserve

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
SecuritySmoke Detector(s)

Exterior

Patio / PorchRear Porch

Additional Information

Date ListedMay 22, 2026
Days on Market70
HOA Fees$181 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,999.25
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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