Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 72

Active Under Contract

Active Under Contract·53 days on market

3585 Oglebay Drive

Green Cove Springs, FL 32043

$425,000$198/sqftEst. $2,167/moMLS# 2150371

Beds

Baths

2,149

Sq Ft

2013

Built

Garage

Pool

About this home

Green Cove Springs

This pond view Magnolia Point home is positioned on a large lot with an extended driveway and a courtyard entry garage. With a well-designed open floor plan, this home offers a perfect blend of a traditional spaces and flexible living. The formal living and dining rooms at the entrance can be used as intended, or easily could be an office or flex space if desired. The family chef will enjoy the open kitchen with stainless appliances, an extended island with bar seating and a breakfast nook. The primary suite features LVP flooring, and windows that frame the peaceful pond view. The highlights of the ensuite bathroom include a vanity space with a nook for a stool, and a corner garden tub for the days you want to soak away. The covered screened lanai with stamped concrete is an inviting spot to enjoy morning coffee overlooking the pond, or a cocktail at the end of the day. Continue out to the private back yard where you can garden

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,167

Principal & Interest: $2,167

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,102

*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$2,167

Property taxesest. at asking price, Clay County$651

HOAbilled quarterly$168

Estimated total, before insurance$2,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,430/yr · $286/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	$429,724	$171,573	—
2024	$423,319	$166,031	▲ $7,574
2023	$412,062	$159,739	—
2022	$343,923	$153,631	—
2021	$265,494	$147,700	—
2020	$246,174	$144,971	—

2025 property taxes (current owner): $3,430/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2013)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,742 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 1, 2026Active Under Contract$425,000
Jul 29, 2026Price change$425,000−$10,000
Jul 13, 2026Active$435,000
Jul 8, 2026Active Under Contract$435,000
Jun 12, 2026Listed$435,000

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

Features

Price$425,000

Price / Sq Ft$198

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,149

Acres0.41 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3585 Oglebay Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size17,859.6 sq ft

Parcel Number05062601523102519

Amenities

AmenitiesPool, Clubhouse, Gated, Golf Course, Playground, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard