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Active

Active·12 days on market

3515 Oglebay Drive

Green Cove Springs, FL 32043

$565,000$223/sqftEst. $2,881/moMLS# 2155211

Beds

Baths

2,530

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

4 bedrooms, 3 bathrooms, plus flex space and 2530 square feet of refined living space define this 2023 single level home in Magnolia Point Golf and Country Club. A manned security gate welcomes you into a premier community known for its golf course, clubhouse, pool, tennis courts, playground, and beautifully maintained grounds. This spacious home shows like a model. Inside, an open concept layout showcases a spacious kitchen with a large island, breakfast bar, and generous dining area. The split bedroom design offers a private primary suite with a soaking tub, separate shower, dual vanities, and a walk in closet. Additional features include vinyl flooring, 5-inch baseboards, and a dedicated laundry room with electric dryer and washer hookups. Outdoor living is enhanced by a covered lanai overlooking the golf course for relaxing at any time of the day. A 2-car courtyard garage completes the property. Low HOA and no CDD fees add exceptional value to this move-in ready home.

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,881

Principal & Interest: $2,881

Property taxes (est.): $866

Insurance (est.): $377

Estimated Total Monthly

$4,123

*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$2,881

Property taxesest. at asking price, Clay County$866

HOAbilled quarterly$168

Estimated total, before insurance$3,915/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,234/yr · $353/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

2025 property taxes (current owner): $4,234/yr

Estimated taxes if purchased at asking price: ~$10,400/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, 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.

Solar potential: ~1,731 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 14, 2026Active$565,000
Jul 13, 2026Listed$565,000

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

Features

Price$565,000

Price / Sq Ft$223

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,530

Acres0.31 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementarySpring Park

MiddleGreen Cove Springs

HighClay

Community Information

Address3515 Oglebay Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size13,503.6 sq ft

Parcel Number04062601523101202

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewGolf Course

Interior

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

AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup