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Active

Active·24 days on market

3369 Tupelo Loop

Green Cove Springs, FL 32043

$415,000$191/sqftEst. $2,116/moMLS# 2153300

Beds

Baths

2,173

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Why wait to build when this better-than-new waterfront home is ready today? Welcome to resort-style living in the sought-after Edenbrooke at Hyland Trail, a premier gated 55+ active adult community. This neighborhood offers an exceptional lifestyle with a clubhouse, fitness center, resort-style pool, pickle ball courts, Dog Park, scenic ponds, and picnic areas. With the community still expanding, new premium level homes are currently selling for over $500k. Situated on a premium waterfront lot, this 4-bedroom, 3-bathroom, 3-car garage home offers 2,173 square feet of upgraded living space. The exterior features enhanced curb appeal with professional landscaping, upgraded Floratam St. Augustine grass, and a sealed paver driveway, patio and patio extension. Inside, the open-concept floor plan includes modern tile flooring throughout the main living areas, a gourmet kitchen with 3 cm quartz countertops, Level 5 real wood soft-close cabinetry, under mount cabinet lighting, a granite

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Property taxes (est.): $636

Insurance (est.): $277

Estimated Total Monthly

$3,029

*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$2,116

Property taxesest. at asking price, Clay County$636

HOAbilled quarterly$164

Estimated total, before insurance$2,916/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

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$7,600/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,628 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