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Active Under Contract

Active Under Contract·52 days on market

3255 Maryland Avenue

Green Cove Springs, FL 32043

$449,000$202/sqftEst. $2,308/moMLS# 2154340

Beds

Baths

2,220

Sq Ft

1996

Built

Garage

Pool

About this home

Green Cove Springs

WHERE COMFORT MEETS COUNTRY CHARM! From the moment you arrive, you'll feel right at home! Nestled on a gorgeous 1-acre lot, this property offers room for all your toys with a side-entry garage, rear carport for your boat or RV, workshop/man cave (or barn), and even a chicken house! Inside, you'll love the welcoming foyer, formal living and dining rooms (perfect for a home office), spacious great room, and chef's kitchen featuring custom cabinetry and abundant counter space. The split-bedroom floor plan offers generously sized bedrooms, while the primary suite features a relaxing jetted garden tub and separate shower. The impressive 44' x 20' enclosed lanai with bar area is made for entertaining, game nights, or watching the big game! Fenced backyard. Major updates include a 4-year-old roof, 8-year-old A/C, 2-year-old water heater, and new well pump and tank (2025). Come experience the peaceful country lifestyle you've been dreaming of!

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,308

Principal & Interest: $2,308

Property taxes (est.): $688

Insurance (est.): $299

Estimated Total Monthly

$3,296

*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$2,308

Property taxesest. at asking price, Clay County$688

Estimated total, before insurance$2,996/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,003/yr · $250/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	$400,485	$157,536	—
2023	$354,388	$151,492	—
2022	$279,104	$145,624	—
2021	$204,632	$121,217	—
2020	$168,854	$118,854	—

2025 property taxes (current owner): $3,003/yr

Estimated taxes if purchased at asking price: ~$8,300/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: Metal — year not disclosed (home built 1996)

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

Sewer records conflict — verify

The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,605 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

Jul 22, 2026Active Under Contract$449,000
Jul 11, 2026Price change$449,000−$31,000
Jul 8, 2026Listed$480,000

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

Features

Price$449,000

Price / Sq Ft$202

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,220

Acres1.00 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address3255 Maryland Avenue, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionFellowship Park

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size43,560 sq ft

Lot Dimensions200 x 225

Parcel Number32052602108900100

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPrivate Sewer

Water SourceWell

ParkingAdditional Parking, Attached, Carport, Detached Carport, Garage Door Opener, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingElectric

FlooringLaminate, Tile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)