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Active Under Contract

Active Under Contract·75 days on market

2933 Cold Stream Lane

Green Cove Springs, FL 32043

$399,000$138/sqftEst. $2,049/moMLS# 2149616

Beds

Baths

2,887

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

SHORT SALE. NOT YET APPROVED BY LENDER. All terms price are subject to third-party lender approval. Opportunity awaits with this beautifully maintained 5-bedroom, 4-bath home built in 2022. Situated on a desirable lot, this home offers a light, bright, and airy feel throughout with spacious living areas and a functional floor plan designed for today's lifestyle. The generous layout provides plenty of room for family, guests, entertaining, or working from home. Property is being sold AS-IS. Seller makes no warranties or guarantees and will make no repairs. Buyer is responsible for conducting all inspections and verifying all information deemed important. A fantastic opportunity to own a newer home with modern features, ample space, and exceptional value. Please allow additional time for lender approval and closing timelines associated with the short sale process.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,049

Principal & Interest: $2,049

Property taxes (est.): $611

Insurance (est.): $266

Estimated Total Monthly

$2,927

*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$2,049

Property taxesest. at asking price, Clay County$611

HOAbilled annually$8

Estimated total, before insurance$2,669/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

Last sold: $448,200 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$401,177	$0	—
2024	$407,513	$0	—
2023	$404,093	$0	—
2022	$45,000	$14,300	—
2021	$13,000	$13,000	—

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.

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 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

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