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Active

Active·92 days on market

2347 Oak Stream Drive

Green Cove Springs, FL 32043

$274,900$176/sqftEst. $1,412/moMLS# 2146856

Beds

Baths

1,558

Sq Ft

2021

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to the desirable Cross Creek community in Green Cove Springs! Built in 2021, this beautifully maintained 3-bedroom, 2-bath home offers a modern open-concept layout with 1,558 sq ft of living space designed for both comfort and functionality. Enjoy resort-style community amenities designed for both relaxation and an active lifestyle, including a lap pool, separate lounging pool, fitness center, playground, and sand volleyball court, just minutes from your front door. Updates include stylish luxury vinyl plank (LVP) flooring, creating a clean, modern feel throughout the main living areas. The spacious split-bedroom floorplan features a bright living and dining area, ample cabinet and closet space, and a well-appointed kitchen perfect for everyday living or entertaining. The private primary suite includes a walk-in closet and en-suite bath. Move-in ready and waiting for its next owner!

Cost to own

Mortgage calculator

Home Price

$274,900

Down Payment: 20%

$54,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,412

Principal & Interest: $1,412

Property taxes (est.): $421

Insurance (est.): $183

Estimated Total Monthly

$2,016

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,412

Property taxesest. at asking price, Clay County$421

HOAbilled annually$8

Estimated total, before insurance$1,841/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,318/yr · $527/mo

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

Year	Market value	Taxable value	Change
2025	$239,067	$185,780	—
2024	$242,467	$179,837	—
2023	$241,024	$173,143	—
2022	$216,644	$166,644	—
2021	$13,000	$13,000	—

2025 property taxes (current owner): $6,318/yr

Estimated taxes if purchased at asking price: ~$5,100/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 2021)

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

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