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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 2, 2026·23 days on market

3686 St Andrews Court

Green Cove Springs, FL 32043

$565,000sold priceListed at $575,000 · 98.3% of asking$221/sqftMLS# 2153923
4
Beds
2.5
Baths
2,559
Sq Ft
1999
Built
3
Garage
No
Pool
FEMA Zone XHOA $168/mo0.72 acresSingle Family Residence1 story

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,130
Property taxesest. at asking price, Clay County$866
HOAbilled quarterly$168
Estimated total, before insurance$4,164/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$565,000
$113,000
Loan Term
Monthly Payment
$3,130
Principal & Interest: $3,130
Property taxes (est.): $866
Insurance (est.): $377
Estimated Total Monthly
$4,372
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$10,400/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.

History

Price & status history

  • Sep 2, 2026Closed$575,000
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $221/sq ft; this home is listed at $225/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1834 Shoal Creek Circle, Green Cove Springs, FL 32043Listed by SEFAIR INVESTMENTS, INC.Oct 2026$339,000$1414/32,406390.3
3581 Oglebay Drive, Green Cove Springs, FL 32043Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$435,000$1994/22,182470.3
3585 Oglebay Drive, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$425,000$1984/22,149490.3
1795 Colonial Drive, Green Cove Springs, FL 32043Listed by UNITED REAL ESTATE GALLERYAug 2026$737,000$2314/3.53,196670.4
2008 Wedge Court, Green Cove Springs, FL 32043Listed by PURSUIT REAL ESTATE, LLCOct 2026$550,000$2214/2.52,493280.5
3515 Oglebay Drive, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$570,000$2254/32,530280.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# 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

Sold by: LPT REALTY, LLC (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 2, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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