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Active

Active·5 days on market

3060 Free Bird Loop

Green Cove Springs, FL 32043

$455,000$183/sqftEst. $2,422/moMLS# 2154718

Beds

Baths

2,492

Sq Ft

2021

Built

Garage

Pool

About this home

Green Cove Springs

GATED WATERFRONT COMMUNITY | NO CDD | LOW HOA | BOAT & RV STORAGE Why wait to build when you can move right into this beautifully maintained home? Designed for the way today's buyers live, this versatile two-story floor plan features 4 bedrooms, 4 full bathrooms, a dedicated office/flex room, a spacious loft, and an extended 3-car garage. The open-concept kitchen is the heart of the home, showcasing beautiful countertops, abundant cabinetry, and a seamless flow into the living and dining areas--

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,298

Principal & Interest: $2,298

Est. Taxes & Insurance: $575

Estimated Total Monthly

$2,873

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$2,422

Property taxesest. at asking price, Clay County$697

HOAbilled quarterly$82

Estimated total, before insurance$3,201/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

Year	Market value	Taxable value	Change
2025	$471,357	$350,776	—
2024	$461,681	$340,183	—
2023	$449,515	$328,819	—
2022	$367,786	$317,786	—
2021	$65,000	$65,000	—
2020	$65,000	$65,000	—

2025 property taxes (current owner): $5,869/yr

Estimated taxes if purchased at asking price: ~$8,400/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 (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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,565 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