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Active

Active·71 days on market

3666 Clubhouse Drive B

Green Cove Springs, FL 32043

$339,000$231/sqftEst. $1,728/moMLS# 2146723

Beds

Baths

1,466

Sq Ft

1991

Built

Garage

Pool

About this home

Green Cove Springs

Open House on Sat July 25 from 11-1. Schedule your private tour appointment today to see everything this updated Villa has to offer. Easy walking to the clubhouse where you can appreciate the amenities including the Olympic size pool, tennis and playground. As you enter the home you will appreciate the spacious family and dining area with low maintenance tile floors overlooking the enclosed sunroom with the views of nature in the backyard. The updated kitchen features 42'tall cabinets with granite counters and stainless appliances and eat in space. with access to the sunroom. Offering 2 large primary suites with private baths. and walk in closets. The garage has Shark Coatings applied to the floor for easy clean up. You need to come see this home to appreciate all it has to offer.

Cost to own

Mortgage calculator

Home Price

$339,000

Down Payment: 20%

$67,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,728

Principal & Interest: $1,728

Property taxes (est.): $520

Insurance (est.): $226

Estimated Total Monthly

$2,474

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,728

Property taxesest. at asking price, Clay County$520

HOAbilled quarterly$168

Estimated total, before insurance$2,416/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,229/yr · $269/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

Year	Market value	Taxable value	Change
2025	$297,281	$160,378	—
2024	$250,058	$155,151	—
2023	$245,933	$149,176	—
2022	$231,122	$143,375	—
2021	$193,073	$137,743	—
2020	$185,151	$135,151	—

2025 property taxes (current owner): $3,229/yr

Estimated taxes if purchased at asking price: ~$6,200/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: material not specified — year not disclosed (home built 1991)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,696 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.

History