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Active

Active·59 days on market

187 Arthur Moore Drive

Green Cove Springs, FL 32043

$665,000$301/sqftEst. $3,429/moMLS# 2149734

Beds

Baths

2,210

Sq Ft

1972

Built

—

Garage

Yes

Pool

About this home

Green Cove Springs

Live like you are on vacation in this Lake Asbury WATERFRONT pool home with a dock! NO HOA or CDD (optional HOA for access to community boat ramp). Completely remodeled in 2020, including a full kitchen renovation where you can see straight out to the lake while meal prepping. From new flooring throughout, to added storage and closet customizations, a full list of the extensive updates can be found under the documents tab. The entire back of the home is lined with windows taking advantage of the tranquil pool to water view. No carpet anywhere, only easy care LVP and tile in the bathrooms. The modern kitchen features a 9 foot island with storage on both sides, stainless appliances, two-tone cabinets, and built in pantry storage cabinets. The large primary suite has oversized sliding doors that perfectly frame that beautiful pool to water view, and wooden beams accentuating the vaulted ceilings. Plus, a supersized walk in closet with custom built ins. All will agree that the outdoor

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,429

Principal & Interest: $3,429

Property taxes (est.): $1,019

Insurance (est.): $443

Estimated Total Monthly

$4,892

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,429

Property taxesest. at asking price, Clay County$1,019

Estimated total, before insurance$4,448/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,524/yr · $710/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	$520,357	$367,436	—
2024	$515,580	$356,374	—
2023	$517,171	$344,538	—
2022	$455,499	$333,047	—
2021	$362,841	$312,841	—
2020	$323,176	$171,726	—

2025 property taxes (current owner): $8,524/yr

Estimated taxes if purchased at asking price: ~$12,200/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 1972)

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

Septic system (public record) · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,712 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