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Pending

Pending·43 days on market

3581 Oglebay Drive

Green Cove Springs, FL 32043

$445,000$204/sqftEst. $2,295/moMLS# 2152530

Beds

Baths

2,182

Sq Ft

2013

Built

Garage

Pool

About this home

Green Cove Springs

Immaculate and well-maintained 4 bedroom, 2 bath home in the highly sought after Magnolia Point Golf and Country Club. A guard-gated community and no CDD fees. Located on a large, beautifully landscaped lot, with a spectacular pond view, this home offers the perfect blend of privacy, convenience, and Florida lifestyle. Split, open floor plan with lots of natural light, beautiful hardwood floors and tile throughout. Large kitchen with stainless steel appliances, granite countertops, and custom crown molding. Family room features a gas fireplace and sliding glass doors to screened lanai and extended pavered patio. Formal living room and dining room. The 4th bedroom with glass doors and a built in desk is a great option for an office or den. Over sized tandem garage with extra storage space. Amenities include golf, tennis, pickleball, junior olympic-sized pool with splash pad and play area, sand volleyball, playground, and clubhouse with dining. Minutes from shopping, dining, and schools

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 quarterly$168

Estimated total, before insurance$3,145/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.

Cost to own

Taxes & assessment

Last sold: $450,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$446,129	$395,407	—
2024	$439,452	$389,452	▲ $7,905
2023	$427,933	$377,933	—
2022	$358,070	$86,899	—
2021	$276,431	$82,898	—
2020	$256,578	$81,057	—

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 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: ~1,723 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, 2026Pending$445,000
Jul 20, 2026Price change$445,000−$5,000
Jun 26, 2026Listed$450,000

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

Features

Price$445,000

Price / Sq Ft$204

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,182

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address3581 Oglebay Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number05062601523102518

Amenities

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

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecurityGated with Guard, Smoke Detector(s)