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Active Under Contract

Active Under Contract·116 days on market

2257 Willow Springs Drive

Green Cove Springs, FL 32043

$329,900$177/sqftEst. $1,761/moMLS# 2148030
↓ $10,000 below original list
4
Beds
2
Baths
1,863
Sq Ft
2022
Built
2
Garage
No
Pool
FEMA Zone XHOA $60/moSingle Family Residence1 story

About this home

Green Cove Springs

TAKING BACKUP OFFERS! Spacious and well-maintained 4 bedroom 2 bath home with an open floor plan and a 3-way split bedroom arrangement. The kitchen has an island with breakfast bar, a large walk-in pantry and opens to huge combination living/dining area.The extended rear patio and wrought-iron fenced backyard make this home perfect for entertaining. Upgraded luxury vinyl plank flooring provides modern beauty and easy maintenance. This home is conveniently located within walking distance of the elementary school and a short 15-minute drive to shopping, dining, a movie theater, banking and all that Fleming Island has to offer. Don't miss out on this beautiful home!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,761
Property taxesest. at asking price, Clay County$506
HOAbilled quarterly$60
Estimated total, before insurance$2,327/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$329,900
$65,980
Loan Term
Monthly Payment
$1,761
Principal & Interest: $1,761
Property taxes (est.): $506
Insurance (est.): $220
Estimated Total Monthly
$2,487
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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: ~1,652 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.

Cost to own

Taxes & assessment

Last sold: $306,000 in March 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$281,650$230,928—
2024$281,727$231,727—
2023$279,434$229,434—
2022$40,000$40,000—
2021$30,000$30,000—
2020$8,000$8,000—

Estimated taxes if purchased at asking price: ~$6,100/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.

History

Price & status history

  • Aug 15, 2026Active Under Contract$329,900
  • Jul 14, 2026Price change$329,900−$10,000
  • Jun 1, 2026Listed$339,900

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

Features

Price$329,900
Price / Sq Ft$177
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,863
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementarySpring Park

Community Information

Address2257 Willow Springs Drive, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionWillow Springs
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number32052601446200308
ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Jogging Path, Park, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Covered, Garage

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Patio / PorchPatio
FencingBack Yard
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedJune 1, 2026
Days on Market105
HOA Fees$181 / Quarterly
HOA FrequencyQuarterly
HOA NameFreedom Community Management
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ALL REAL ESTATE OPTIONS INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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