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Active

Active·81 days on market

3060 Free Bird Loop

Green Cove Springs, FL 32043

$455,000$183/sqftEst. $2,339/moMLS# 2149627

Beds

Baths

2,492

Sq Ft

2021

Built

Garage

Pool

About this home

Green Cove Springs

GATED WATERFRONT COMMUNITY | NO CDD | LOW HOA | BOAT & RV STORAGE Why wait to build when you can move right into this beautifully maintained home? Designed for the way today's buyers live, this versatile two-story floor plan features 4 bedrooms, 4 full bathrooms, a dedicated office/flex room, a spacious loft, and an extended 3-car garage. The open-concept kitchen is the heart of the home, showcasing beautiful countertops, abundant cabinetry, and a seamless flow into the living and dining areas--perfect for entertaining or everyday living. Enjoy resort-style community amenities including boat and RV storage, a playground, a picnic pavilion, and a nature-view boardwalk leading to a 120-foot waterfront dock. Fish, kayak, or relax and take in the views. Conveniently located just minutes from Fleming Island's shopping, dining, top-rated schools, and everyday conveniences. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,339

Principal & Interest: $2,339

Property taxes (est.): $697

Insurance (est.): $303

Estimated Total Monthly

$3,340

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,339

Property taxesest. at asking price, Clay County$697

HOAbilled quarterly$82

Estimated total, before insurance$3,119/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,869/yr · $489/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	$471,357	$350,776	—
2024	$461,681	$340,183	—
2023	$449,515	$328,819	—
2022	$367,786	$317,786	—
2021	$65,000	$65,000	—
2020	$65,000	$65,000	—

2025 property taxes (current owner): $5,869/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,565 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

Jul 9, 2026Price change$455,000−$25,000
Jun 9, 2026Listed$480,000

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

Features

Price$455,000

Price / Sq Ft$183

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,492

Acres0.20 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementarySpring Park

MiddleGreen Cove Springs

HighClay

Community Information

Address3060 Free Bird Loop, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionEdgewater Landing

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size8,712 sq ft

Parcel Number29052601444600509

ZoningResidential

Amenities

AmenitiesBoat Dock, Jogging Path, Maintenance Grounds, Playground, RV/Boat Storage, Water

UtilitiesCable Available, Electricity Connected, Water Connected, Water Not Available

Water SourcePublic

ParkingGarage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySecurity Gate