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Active

Active·47 days on market

3588 Americana Drive

Green Cove Springs, FL 32043

$399,000$176/sqftEst. $2,034/moMLS# 2149554

Beds

Baths

2,266

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Discover the Tilden, a beautifully crafted two-story home featuring an open-concept design with 5 bedrooms and 3 full bathrooms, complemented by our Classic Design Package. The kitchen includes an appliance package, including an electric range, microwave, and dishwasher. Stylish Trenton Flagstone cabinetry, a crisp white beveled subway tile backsplash, and elegant quartz countertops create a bright, sophisticated atmosphere. The kitchen seamlessly connects to the café and gathering room, with easy access to the covered lanai. Upstairs, you'll find the private Owner's Suite, additional bedrooms, a versatile loft, and a conveniently located laundry room. Designed for modern living, this home includes a Smart Home package as well as a Move-In Ready package featuring window blinds, a refrigerator, washer, and dryer--offering added convenience and making your move effortless. Schedule your private tour today and experience everything the Tilden has to offer.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $611

Insurance (est.): $266

Estimated Total Monthly

$2,912

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,034

Property taxesest. at asking price, Clay County$611

HOAbilled monthly$13

Estimated total, before insurance$2,658/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,368/yr · $281/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

Last sold: $10,729,500 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

2025 property taxes (current owner): $3,368/yr

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.

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 2026)

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

Solar potential: ~1,754 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 9, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$176

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,266

Acres0.17 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address3588 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,405.2 sq ft

Parcel Number15052500933800552

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup