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Active

Active·37 days on market

2587 Oak Stream Drive

Green Cove Springs, FL 32043

$389,900$151/sqftEst. $2,002/moMLS# 2155890

Beds

Baths

2,590

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

This 4BED/2.5BATH energy-saving home features 2600 SQ. FT inside a Top-Rated neighborhood w/ GREAT amenities! Upon entry you are met by large foyer then walk inside Open-Floor Plan kitchen combined with the living room! Owner added privacy fence around home, Water softener, Filtration water by sink & 4 LARGE rooms to accommodate! Tennis Court, Fitness Gym, Pool, Lap Pool & even Kids Playground along all included here. Not to mention being Zoned for Clay County's top-rated schools! This property is located minutes away from all of Fleming Island's shopping. Plus, NAS JAX is a quick 25-minute drive away!

Cost to own

Mortgage calculator

Home Price

$389,900

Down Payment: 20%

$77,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,002

Principal & Interest: $2,002

Property taxes (est.): $598

Insurance (est.): $260

Estimated Total Monthly

$2,860

*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$2,002

Property taxesest. at asking price, Clay County$598

HOAbilled annually$8

Estimated total, before insurance$2,608/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,091/yr · $424/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

Year	Market value	Taxable value	Change
2025	$352,761	$302,039	—
2024	$358,130	$308,130	—
2023	$355,039	$305,039	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $5,091/yr

Estimated taxes if purchased at asking price: ~$7,200/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 (2025), 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 2022)

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

Jul 17, 2026Listed$389,900

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

Features

Price$389,900

Price / Sq Ft$151

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,590

Acres0.11 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2587 Oak Stream Drive, Green Cove Springs, FL 32043

Area742-Cross Creek-East Of US-301

SubdivisionCross Creek

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size4,791.6 sq ft

Parcel Number46052601030100499

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Management- On Site, Playground, Racquetball, Spa/Hot Tub, Tennis Court(s), Water

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories2

LevelsTwo

LaundryUpper Level

SecuritySmoke Detector(s)

Spa FeaturesCommunity