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Active

Active·64 days on market

2538 Coral Lane

Green Cove Springs, FL 32043

$430,000$155/sqftEst. $2,217/moMLS# 2147824

Beds

Baths

2,781

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this beautifully maintained 4-bedroom, 2.5-bath, 2781 SF home in Village Park in Green Cove Springs. Built in 2022, the open layout offers a spacious kitchen with a dining area, ample cabinetry, & upgraded lighting above & below cabinets for a warm, inviting feel that continues into the laundry room. Bedrooms are generously sized, offering flexibility for family, guests, or office space. Situated on a corner lot, the fully fenced backyard provides privacy & room to enjoy the outdoors. Gutters installed around the entire home for added convenience. Upgrades include exterior eave outlets for easy lighting, a 220V garage outlet ideal for an EV or workshop, epoxied garage floor, & built-in storage. Conveniently located near the 1st Coast Expressway, it has easy access to NAS Jax, restaurants, shopping, and more! This move-in ready home has modern features and thoughtful touches throughout! Partner with CJ at Heroic Mortgage powered by Rate for up to 1% in lender credits!

Cost to own

Mortgage calculator

Home Price

$430,000

Down Payment: 20%

$86,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,217

Principal & Interest: $2,217

Property taxes (est.): $659

Insurance (est.): $287

Estimated Total Monthly

$3,163

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,217

Property taxesest. at asking price, Clay County$659

HOAbilled annually$47

Estimated total, before insurance$2,923/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,504/yr · $375/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

Last sold: $403,600 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$402,856	$242,444	—
2024	$394,234	$234,904	—
2023	$382,645	$382,645	—
2022	$30,000	$30,000	—
2021	$30,000	$30,000	—
2020	$10,000	$10,000	—

2025 property taxes (current owner): $4,504/yr

Estimated taxes if purchased at asking price: ~$7,900/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 2022)

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

Solar potential: ~1,774 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

Jun 5, 2026Listed$430,000

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

Features

Price$430,000

Price / Sq Ft$155

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,781

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address2538 Coral Lane, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionVillage Park

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,405.2 sq ft

Parcel Number16052500933900628

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump, Zoned

CoolingCentral Air, Zoned

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink

SecuritySmoke Detector(s)