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Pending

Pending·72 days on market

4523 White Ibis Lane

Green Cove Springs, FL 32043

$397,850$196/sqftEst. $2,047/moMLS# 2148670

Beds

Baths

2,030

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Introducing the Lakeside+ by D.R. Horton a spacious and thoughtfully designed one-story home offering 2,030 square feet of comfortable living. With 5 bedrooms, 3 bathrooms, and a 2-car garage, this floor plan is ideal for large families or multigenerational households needing both space and functionality. At the heart of the home, the open-concept layout with plenty of windows creates the perfect setting for everyday living and entertaining. The expansive kitchen features beautiful quartz countertops, abundant prep space, and a large center island that overlooks the vaulted ceiling main living areas. Whether hosting family celebrations or enjoying a quiet evening in, this seamless flow keeps everyone connected. You can also enjoy time on the covered patio. The private owner's suite is tucked away for relaxation and includes a spacious walk-in closet and a luxurious bath with dual vanities and quartz countertops. Two sets of Jack and Jill bedrooms provide convenience and flexibility.

Cost to own

Mortgage calculator

Home Price

$397,850

Down Payment: 20%

$79,570

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,047

Principal & Interest: $2,047

Property taxes (est.): $610

Insurance (est.): $265

Estimated Total Monthly

$2,922

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,047

Property taxesest. at asking price, Clay County$610

HOAbilled annually$8

Estimated total, before insurance$2,665/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$45,000	$45,000	—

Estimated taxes if purchased at asking price: ~$7,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,726 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

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.