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

1 / 67

Active

Active·29 days on market

3001 Granary Park Avenue

Green Cove Springs, FL 32043

$445,000$175/sqftEst. $2,295/moMLS# 2150537

Beds

Baths

2,541

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

Discover this beautifully upgraded 4-bed, 3-bath home in the desirable Granary Park community. Filled with natural light, the open-concept layout showcases stylish owner-selected upgrades throughout. The modern kitchen features an extended island with added storage, stainless steel appliances, and abundant counter space, flowing seamlessly into a spacious living area ideal for entertaining. A custom fireplace wall adds warmth and character. The owner's suite offers a peaceful retreat with upgraded LVP flooring, a barn door, and a generous walk-in closet. A closed-in flex space provides the perfect office or playroom, while laundry built-ins add everyday convenience. Peace of mind with a whole home water filtration/softener system. Enjoy a fully fenced backyard and access to resort-style amenities including a pool, clubhouse, fitness center, playgrounds, and walking trails. Thoughtfully enhanced and truly move-in ready, this home stands out for comfort, style, and value.

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,295

Principal & Interest: $2,295

Property taxes (est.): $682

Insurance (est.): $297

Estimated Total Monthly

$3,273

*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$2,295

Property taxesest. at asking price, Clay County$682

HOAbilled annually$10

Estimated total, before insurance$2,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,024/yr · $752/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: $9,679,100 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$403,346	$403,346	—
2024	$55,000	$55,000	—

2025 property taxes (current owner): $9,024/yr

Estimated taxes if purchased at asking price: ~$8,200/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 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,693 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 10, 2026Active$445,000
Jul 7, 2026Withdrawn$445,000
Jun 13, 2026Listed$445,000

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

Features

Price$445,000

Price / Sq Ft$175

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,541

Acres0.17 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3001 Granary Park Avenue, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionGranary Park Phase 1

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,405.2 sq ft

Parcel Number23052501010100982

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryElectric Dryer Hookup

SecuritySmoke Detector(s)