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Active

Active·87 days on market

2734 Oak Stream Drive

Green Cove Springs, FL 32043

$269,900$221/sqftEst. $1,386/moMLS# 2147904

Beds

Baths

1,219

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Welcome home to this beautifully maintained 3-bedroom, 2-bath residence offering modern comfort and peaceful outdoor living. Inside, you'll find a bright open-concept layout with soaring ceilings, stylish wood-look flooring, and a spacious kitchen featuring white cabinetry, stainless steel appliances, and a cozy dining area perfect for everyday living. Step outside to enjoy the screened porch overlooking a large backyard with serene open-field views, creating the perfect space to relax or entertain. The charming curb appeal, attached 2-car garage, and manicured landscaping complete this move-in-ready home. Residents enjoy fantastic neighborhood amenities including a community pool, playground, RV and boat storage, and beautifully maintained common areas. Conveniently located near shopping, dining, and top local amenities, this home blends comfort, privacy, and lifestyle in one perfect package.

Cost to own

Mortgage calculator

Home Price

$269,900

Down Payment: 20%

$53,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,386

Principal & Interest: $1,386

Property taxes (est.): $414

Insurance (est.): $180

Estimated Total Monthly

$1,980

*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$1,386

Property taxesest. at asking price, Clay County$414

HOAbilled annually$8

Estimated total, before insurance$1,808/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,409/yr · $534/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

Last sold: $268,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$202,283	$202,283	—
2024	$204,650	$204,650	—
2023	$45,000	$45,000	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $6,409/yr

Estimated taxes if purchased at asking price: ~$5,000/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 2023)

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