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Active

Active·15 days on market

2458 Morganza Way

Green Cove Springs, FL 32043

$449,980$140/sqftEst. $2,294/moMLS# 2154742

Beds

Baths

3,223

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

MOVE IN READY! No CDD fees. With limited homesites near A+ schools, now is the time to buy! Welcome to the spacious 4 bed, 3 bath Barbados II at Russell Retreat offering over 3,200 sq ft of elevated living. This thoughtful Lennar floor plan features an open-concept layout with a large loft, 9' ceilings, 8' interior doors, and wood-inspired LVP flooring. The gourmet kitchen shines with quartz countertops, a long prep island, 42'' staggered cabinets, a double oven, and designer finishes from Lennar's Royal Collection of features. Enjoy premium carpet in bedrooms, spa-inspired baths with floor-to-ceiling tile, and European-height vanities. Relax on your screened-in paved lanai with full irrigation, gutters, and a large private backyard. Every detail is included, window blinds, sprinkler system, energy-efficient features, and high-speed internet via HOA. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$449,980

Down Payment: 20%

$89,996

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $690

Insurance (est.): $300

Estimated Total Monthly

$3,284

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,294

Property taxesest. at asking price, Clay County$690

HOAbilled quarterly$160

Estimated total, before insurance$3,144/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$534/yr · $44/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).

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 2026)

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

Solar potential: ~1,234 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 13, 2026Price change$449,980−$20,000
Jul 10, 2026Listed$469,980

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

Features

Price$449,980

Price / Sq Ft$140

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,223

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address2458 Morganza Way, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionRussell Retreat

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size6,098.4 sq ft

Parcel Number000

Amenities

AmenitiesPlayground, Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)