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Active

Active·2 days on market

3249 Maryland Avenue

Green Cove Springs, FL 32043

$369,000$205/sqftEst. $1,964/moMLS# 2153949

Beds

Baths

1,802

Sq Ft

1979

Built

Garage

Pool

About this home

Green Cove Springs

Country living on almost an acre of land. Bring your boat/camper and park it in your driveway/back yard. Just 5 miles to Fleming Island shopping/dining, Well maintained home. Owners have 2 dogs and need a 2 hour notice. New Roof 2019, Kitchen updated 2022, New Central Heat/AC System 2026.

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,964

Principal & Interest: $1,964

Est. Taxes & Insurance: $491

Estimated Total Monthly

$2,455

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,964

Property taxesest. at asking price, Clay County$568

Estimated total, before insurance$2,532/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $1,478/yr

Estimated taxes if purchased at asking price: ~$6,800/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 921 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, 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 — 2019 per the listing

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

Solar potential: ~1,633 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History