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Active Under Contract

Active Under Contract·44 days on market

3040 Rustic Deer Way

Green Cove Springs, FL 32043

$275,000$170/sqftEst. $1,412/moMLS# 2154901

Beds

Baths

1,618

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Welcome to this beautifully maintained, nearly new home (built in 2023) located in the highly desirable, amenity-rich community of Cross Creek! Boasting 1,618 square feet of bright and airy living space, this 3-bedroom, 2-bathroom home features a tasteful, neutral color palette throughout, making it entirely move-in ready.The heart of the home flows seamlessly into the living areas, perfect for entertaining or daily living. Step outside to your private oasis featuring a fully fenced-in backyard and an extended patio, ideal for outdoor dining, grilling, or just relaxing in the Florida sunshine. Cross Creek offers an unparalleled lifestyle with resort-style amenities, including a sparkling swimming pool, a dedicated children's splash pool, pickleball courts, a fully equipped fitness center, a clubhouse, and a community park. Don't miss the opportunity to live like you're on vacation every day in Green Cove Springs!

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,412

Principal & Interest: $1,412

Property taxes (est.): $421

Insurance (est.): $183

Estimated Total Monthly

$2,017

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,412

Property taxesest. at asking price, Clay County$421

HOAbilled annually$10

Estimated total, before insurance$1,844/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,365/yr · $530/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

2025 property taxes (current owner): $6,365/yr

Estimated taxes if purchased at asking price: ~$5,100/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, 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: Shingle — year not disclosed (home built 2023)

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

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

Aug 7, 2026Active Under Contract$275,000
Jul 27, 2026Price change$275,000−$5,000
Jul 10, 2026Listed$280,000

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

Features

Price$275,000

Price / Sq Ft$170

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,618

Acres0.12 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3040 Rustic Deer Way, Green Cove Springs, FL 32043

Area162-Russell Landing/Penney Farms

SubdivisionCross Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size5,227.2 sq ft

Parcel Number46052601030100896

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Park, Pickleball, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne