Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 50

Active Under Contract

Active Under Contract·31 days on market

2766 Oak Stream Drive

Green Cove Springs, FL 32043

$339,990$185/sqftEst. $1,746/moMLS# 2155788

Beds

Baths

1,835

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

Two ways to save! Both Seller & Preferred Lender offering RATE BUYDOWN / CLOSING COST ASSISTANCE- Call for details. Escape the hustle and bustle in Cross Creek. Located far enough off the beaten path to hear only the wind, yet close enough to enjoy all the benefits of town. World class amenities include two pools, clubhouse, pickleball, volleyball, playground, RV/Boat storage, and more. Upgrades galore are the hallmark of this nearly new, move-in ready 2023 built home; the gem of Cross Creek. Bright and airy interior features custom built fireplace/entertainment wall unit, designer fixtures and features throughout elevate the comfort and style of every room. Storage abounds inside and in attic. Step out back onto the oversized paver deck and soak in the expansive ranch views and fresh country air. Unwind at the outdoor bar, equipped with power, ready to cool the refreshment of choice.

Cost to own

Mortgage calculator

Home Price

$339,990

Down Payment: 20%

$67,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,746

Principal & Interest: $1,746

Property taxes (est.): $521

Insurance (est.): $227

Estimated Total Monthly

$2,494

*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$1,746

Property taxesest. at asking price, Clay County$521

HOAbilled annually$8

Estimated total, before insurance$2,275/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,598/yr · $550/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): $6,598/yr

Estimated taxes if purchased at asking price: ~$6,300/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, 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: ~1,767 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

Aug 21, 2026Active Under Contract$339,990
Aug 7, 2026Price change$339,990−$5,010
Jul 23, 2026Active$345,000
Jul 15, 2026Listed$345,000

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

Features

Price$339,990

Price / Sq Ft$185

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,835

Total Structure Area2,296 sq ft

Acres0.22 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryRideout

MiddleLake Asbury

HighClay

Community Information

Address2766 Oak Stream Drive, Green Cove Springs, FL 32043

Area162-Russell Landing/Penney Farms

SubdivisionCross Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size9,583.2 sq ft

Lot Dimensions~48'x180'x67'x158'

Parcel Number46052601030100594

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Management - Full Time, Management- On Site, Park, Pickleball, Playground, RV/Boat Storage

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Other

ViewTrees/Woods, Other

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Lights, Security System Owned, Smoke Detector(s)