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Pending

Pending·53 days on market

3686 St Andrews Court

Green Cove Springs, FL 32043

$575,000$225/sqftEst. $2,956/moMLS# 2153923

Beds

Baths

2,559

Sq Ft

1999

Built

Garage

Pool

About this home

Green Cove Springs

Beautifully maintained 4 bed, 2 1/2 bath home with a versatile flex space, ideally located in the highly desirable manned gated community of Magnolia Point Golf & Country Club. Perfectly positioned on almost an acre with scenic golf course views, this home offers a spacious and functional layout all on one level. The kitchen has granite counters, graphite appliances, lots of cabinet space and overlooks the breakfast nook and inviting family room, where a cozy fireplace creates the perfect gathering space. The spacious owner's suite is a relaxing retreat featuring walk-in closets and an en suite bath with dual vanities, a soaking tub, and walk-in shower. Step outside to the back garden oasis featuring a screened lanai, fire pit, tree house and fruit trees overlooking the peaceful golf course. Complete with a 3 car garage. This active community offers golf, tennis, pickleball, junior olympic-sized pool with splash pad and play area, sand volleyball, playground, and clubhouse with dining.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,956

Principal & Interest: $2,956

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,221

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,956

Property taxesest. at asking price, Clay County$881

HOAbilled quarterly$168

Estimated total, before insurance$4,006/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,093/yr · $424/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
2024	$426,001	$255,814	▲ $7,518
2023	$425,252	$246,907	—
2022	$382,494	$238,260	—
2021	$309,007	$229,865	—
2020	$297,243	$226,001	—

2025 property taxes (current owner): $5,093/yr

Estimated taxes if purchased at asking price: ~$10,600/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 (2024), 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 1999)

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: ~1,368 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 29, 2026Pending$575,000
Jul 6, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$225

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,559

Acres0.72 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address3686 St Andrews Court, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size31,363.2 sq ft

Parcel Number05062601523200115

ZoningResidential

Amenities

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

UtilitiesElectricity Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LaundryIn Unit

Exterior

Exterior FeaturesFire Pit

Lot DescriptionCul-De-Sac, Many Trees, On Golf Course

Patio / PorchCovered, Rear Porch, Screened

FencingBack Yard

RoofShingle

Additional Information

Date ListedJuly 6, 2026

Days on Market23

HOA Fees$505.32 / Quarterly

HOA FrequencyQuarterly

Tax Amount$5,093.46

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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