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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 16, 2026·29 days on market

2766 Oak Stream Drive

Green Cove Springs, FL 32043

$340,000sold priceListed at $339,990 · 100% of asking$185/sqftMLS# 2155788
4
Beds
2
Baths
1,835
Sq Ft
2023
Built
2
Garage
No
Pool
FEMA Zone XHOA $8/mo9,583 sqft lotSingle Family Residence1 story

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,883
Property taxesest. at asking price, Clay County$521
HOAbilled annually$8
Estimated total, before insurance$2,413/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$340,000
$68,000
Loan Term
Monthly Payment
$1,883
Principal & Interest: $1,883
Property taxes (est.): $521
Insurance (est.): $227
Estimated Total Monthly
$2,631
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

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.

History

Price & status history

  • Sep 18, 2026Closed$339,990
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $170/sq ft; this home is listed at $185/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2347 Oak Stream Drive, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$274,000$1763/21,55820.4
3158 Cold Leaf Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$297,000$1604/21,8611100.4
3040 Rustic Deer Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$275,000$1703/21,618270.8
2366 Evening Oaks Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$289,000$1693/21,711190.9
3292 Cypress Walk Place, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$460,000$1954/32,361421
2841 Hammock Dale Court, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$338,000$1684/32,006801.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# 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
Community FeaturesSidewalks, Fishing, Suburban, Street Lights, Curbs
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)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchDeck
FencingOther, Back Yard, Privacy, Vinyl
RoofShingle
ConstructionComposition Siding, Fiber Cement
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 23, 2026
Days on Market29
HOA Fees$100 / Annually
HOA FrequencyAnnually
HOA NameCross Creek North Owner's Association Inc
Tax Amount$6,598.47
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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