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Pending

Pending·15 days on market

2940 Adelaide Road

Green Cove Springs, FL 32043

$384,490$170/sqftEst. $1,960/moMLS# 2156207

Beds

Baths

2,260

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Under Construction: Ready October 2026! The Chloe floor plan by Lennar offers 4 bedrooms, 3.5 bathrooms, a loft, and a 2-car garage. This beautifully designed home includes white cabinets with white quartz kitchen countertops, 42'' uppers, and Frigidaire stainless steel appliances--range, microwave, dishwasher, and refrigerator. Ceramic wood-look tile in wet areas and extended into family, dining, and halls. Additional features include blinds throughout, water heater, screened lanai, and sprinkler system. Backed by a one-year builder warranty, 24-hour emergency service, and dedicated customer care. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$384,490

Down Payment: 20%

$76,898

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,960

Principal & Interest: $1,960

Property taxes (est.): $589

Insurance (est.): $256

Estimated Total Monthly

$2,806

*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$1,960

Property taxesest. at asking price, Clay County$589

HOAbilled annually$10

Estimated total, before insurance$2,560/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,402/yr · $284/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).

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 2026)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,653 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 27, 2026Pending$384,490
Jul 20, 2026Listed$384,490

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

Features

Price$384,490

Price / Sq Ft$170

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,260

Acres0.12 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address2940 Adelaide Road, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionGranary Park Phase 1

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size5,227.2 sq ft

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Park, Playground, Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)