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Active

Active·46 days on market

1277 Lake Asbury Drive

Green Cove Springs, FL 32043

$639,000$273/sqftEst. $3,295/moMLS# 2151950

Beds

Baths

2,338

Sq Ft

1984

Built

—

Garage

Yes

Pool

About this home

Green Cove Springs

Welcome to your own private retreat on nearly 1 acre of waterfront property! Nestled on a quiet dead-end street, this beautifully remodeled 5-bedroom, 3-bath home offers 2,026 sq ft of move-in-ready living with the perfect blend of comfort, style, and outdoor enjoyment. From the moment you arrive, you'll appreciate the extensive updates, including a new roof (2024), HVAC system (2022), new siding, windows, flooring, kitchen, bathrooms, and more. Inside, the spacious layout is ideal for families, entertaining, or simply enjoying everyday life in a fresh, modern space. Step outside and discover what truly sets this property apart--a private in-ground swimming pool, expansive backyard deck, and your very own lakefront dock, creating the ultimate setting for relaxing sunsets, fishing, kayaking, or weekend gatherings.

Cost to own

Mortgage calculator

Home Price

$639,000

Down Payment: 20%

$127,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,295

Principal & Interest: $3,295

Property taxes (est.): $979

Insurance (est.): $426

Estimated Total Monthly

$4,701

*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$3,295

Property taxesest. at asking price, Clay County$979

Estimated total, before insurance$4,275/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,416/yr · $451/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	$335,268	$163,660	—
2024	$333,299	$158,341	—
2023	$322,043	$152,273	—
2022	$259,971	$146,382	—
2021	$208,072	$140,663	—
2020	$200,050	$138,031	—

2025 property taxes (current owner): $5,416/yr

Estimated taxes if purchased at asking price: ~$11,800/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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · 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: ~1,523 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 5, 2026Price change$639,000−$6,000
Jul 27, 2026Price change$645,000−$5,000
Jul 17, 2026Price change$650,000−$25,000
Jun 23, 2026Listed$675,000

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

Features

Price$639,000

Price / Sq Ft$273

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,338

Total Structure Area2,868 sq ft

Acres0.97 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces2

Has PoolYes

Pool FeaturesIn Ground, Pool Cover

Is WaterfrontYes

Community Information

Address1277 Lake Asbury Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionLake Asbury

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size42,253.2 sq ft

Lot Dimensions100 x 425 ft

Parcel Number38052501003600000

ZoningSingle Family

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached Carport, Off Street, On Street

ViewLake, Pool, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup