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Pending

Pending·53 days on market

3616 Americana Drive

Green Cove Springs, FL 32043

$409,000$190/sqftEst. $2,114/moMLS# 2149566

Beds

Baths

2,153

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Experience the Medina with Farmhouse Elevation, a thoughtfully designed 4-bedroom, 3-bathroom home. Showcasing our Luxury Design Package, this open-concept floor plan offers spacious living areas perfect for both everyday life and entertaining. At the heart of the home, the gourmet kitchen features built-in stainless steel appliances, including an electric cooktop, wood hood, microwave and oven tower, and dishwasher. White cabinetry, a white herringbone tile backsplash, elegant quartz countertops, and an oversized center island create a bright and sophisticated gathering space. The kitchen seamlessly overlooks the expansive gathering room, accented by warm luxury vinyl plank flooring, and opens to a covered lanai. Additional conveniences include a Smart Home Package and a Move-In Ready Package complete with blinds, a refrigerator, washer, and dryer. Schedule your tour today and discover everything this exceptional Medina home has to offer.

Cost to own

Mortgage calculator

Home Price

$409,000

Down Payment: 20%

$81,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,114

Principal & Interest: $2,114

Property taxes (est.): $627

Insurance (est.): $273

Estimated Total Monthly

$3,013

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,114

Property taxesest. at asking price, Clay County$627

HOAbilled monthly$13

Estimated total, before insurance$2,753/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: $3,243,000 in May 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: ~$7,500/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: ~1,750 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

Aug 17, 2026Pending$409,000
Aug 5, 2026Price change$409,000−$11,000
Jul 17, 2026Active$420,000
Jul 13, 2026Pending$420,000
Jun 9, 2026Listed$420,000

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

Features

Price$409,000

Price / Sq Ft$190

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,153

Acres0.15 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address3616 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size6,534 sq ft

Parcel Number15052500933800769

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

AppliancesOther, Dishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup