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Active

Active·64 days on market

3476 Oglebay Drive

Green Cove Springs, FL 32043

$479,000$210/sqftEst. $2,470/moMLS# 2148964

Beds

Baths

2,282

Sq Ft

2016

Built

Garage

Pool

About this home

Green Cove Springs

Come see this beautiful 4-bedroom, 3-full-bath home located in the gated community of Magnolia Point Golf & Country Club. This open, split-bedroom floor plan features luxury vinyl plank flooring throughout the home, with tiles in the kitchen, bathrooms, laundry room, and family room. Upon entering the home, the room directly across from the foyer is currently being used as a formal dining room. As you continue through the foyer, you are welcomed into the spacious open living area featuring a built-in computer desk and cabinetry. The kitchen is designed for both functionality and style, offering double ovens, custom cabinetry, granite countertops, a large island, stainless steel appliances, a breakfast nook, custom-designed pantry shelving, and recessed lighting. The spacious owner's suite features a double tray ceiling and a serene lake view from the large bay window. The luxurious owner's bath includes a spacious soaking tub, large shower, dual vanities, and a huge custom

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,470

Principal & Interest: $2,470

Property taxes (est.): $734

Insurance (est.): $319

Estimated Total Monthly

$3,524

*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$2,470

Property taxesest. at asking price, Clay County$734

HOAbilled quarterly$168

Estimated total, before insurance$3,373/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,451/yr · $371/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	$465,574	$228,254	—
2024	$458,449	$221,114	▲ $8,360
2023	$446,571	$213,218	—
2022	$375,161	$205,552	—
2021	$289,434	$198,109	—
2020	$267,711	$194,684	—

2025 property taxes (current owner): $4,451/yr

Estimated taxes if purchased at asking price: ~$8,800/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: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,698 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$479,000

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

Features

Price$479,000

Price / Sq Ft$210

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,282

Acres0.35 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3476 Oglebay Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size15,246 sq ft

Parcel Number05062601523101901

Amenities

AmenitiesPool, Clubhouse, Gated, Golf Course, Tennis Court(s)

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Gated with Guard, Smoke Detector(s)