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Active

Active·58 days on market

201 Dow Court

Green Cove Springs, FL 32043

$600,000$228/sqftEst. $3,059/moMLS# 2147519

Beds

Baths

2,627

Sq Ft

1977

Built

Garage

Pool

About this home

Green Cove Springs

TWO HOMES IN ONE at 201 Dow Ct in Lake Asbury. This fully remodeled 4 bedroom, 3 bath home was built for multi-generational living without sacrificing privacy. Featuring TWO true master suites, this setup is perfect for aging parents, adult children, guests, or blended families. Whole-home backup generator keeps life running during outages. Multiple sheds and workshops provide space for hobbies, storage, tools, toys, or a home business. Peaceful Lake Asbury setting with room to breathe, while still being move-in ready with modern updates throughout. Instead of buying a home, storage unit, workshop, and guest suite separately -- you get it ALL in one property. More flexibility. More privacy. Less compromise.

Cost to own

Mortgage calculator

Home Price

$600,000

Down Payment: 20%

$120,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $920

Insurance (est.): $400

Estimated Total Monthly

$4,379

*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$3,059

Property taxesest. at asking price, Clay County$919

Estimated total, before insurance$3,979/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,452/yr · $204/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	$507,086	$126,726	—
2024	$495,878	$122,307	—
2023	$451,585	$117,143	—
2022	$378,734	$116,630	—
2021	$296,064	$111,763	—
2020	$289,986	$109,523	—

2025 property taxes (current owner): $2,452/yr

Estimated taxes if purchased at asking price: ~$11,000/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 1977)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from Clay County Utilities per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,617 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

Price & status history

Jul 16, 2026Price change$600,000−$25,000
May 28, 2026Listed$625,000

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

Features

Price$600,000

Price / Sq Ft$228

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,627

Acres2.08 acres

Year Built1977

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address201 Dow Court, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionLake Asbury

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size90,604.8 sq ft

Parcel Number21052501009501000

Amenities

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Guest Suite, His and Hers Closets, In-Law Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Electric Cooktop

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit