Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·77 days on market

2482 Oak Stream Drive

Green Cove Springs, FL 32043

$325,000$130/sqftEst. $1,669/moMLS# 2149269

Beds

Baths

2,503

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

A spacious 2 story 5/3 home in the Cross Creek Community! This home is only 4 years new and ready for a new owner. This home features a separate living room (off of the foyer), a generous kitchen overlooking the family room, a bedroom and full bathroom downstairs, while all other bedrooms (including primary ensuite) and bathrooms are upstairs. Additional features include walk-in closets, upstairs loft w/closet, upstairs laundry room, wall-to-wall carpet & LVP throughout, and a generous rear yard [that backs to a preserve]. With over 2,500 sq. ft. of living space, there's a lot of potential for a growing family. Enjoy walk/jog paths, a large amenity center with community pool, tennis courts and so much more! This property is priced to sell. Schedule your showing today. ~ This property may qualify for Seller Financing (Vendee). **THIS IS AN AS-IS SALE. NO REPAIRS OR PRICE ADJUSTMENTS (due to inspection findings) WILL BE PERFORMED BY SELLER.**

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,669

Principal & Interest: $1,669

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,384

*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$1,669

Property taxesest. at asking price, Clay County$498

HOAbilled annually$10

Estimated total, before insurance$2,178/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,636/yr · $720/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: $382,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$348,318	$348,318	—
2024	$353,661	$353,661	—
2023	$350,685	$350,685	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $8,636/yr

Estimated taxes if purchased at asking price: ~$6,000/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.

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 2022)

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

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.