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

1 / 50

Active

Active·19 days on market

2746 Pointed Leaf Road

Green Cove Springs, FL 32043

$409,000$182/sqftEst. $2,109/moMLS# 2156231

Beds

Baths

2,246

Sq Ft

2022

Built

Garage

Pool

About this home

Green Cove Springs

Welcome Home to Luxury in Granary Park! Look no further--your nearly new dream home awaits at 2746 Pointed Leaf Road! Located in the highly desirable Granary Park community, this stunning single-story Lennar Tivoli smart home offers a spacious 4-bedroom, 3-bathroom split floor plan and a 3-car garage, perfectly designed for modern family living and entertaining. Interior Features Designed to Impress Gourmet Kitchen: The heart of the home features sleek quartz countertops, modern stainless-steel appliances, abundant cabinetry, and an oversized island beautifully customized with a shiplap finish. Open Living Space: Flooded with natural light from large windows, the expansive living area is accented by a stylish custom board and batten wall. Master Retreat: Unwind in the large master bedroom featuring a spa-like en-suite bathroom with a soaking tub, a walk-in shower, and a generous walk-in closet.

Cost to own

Mortgage calculator

Home Price

$409,000

Down Payment: 20%

$81,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,109

Principal & Interest: $2,109

Property taxes (est.): $627

Insurance (est.): $273

Estimated Total Monthly

$3,009

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,109

Property taxesest. at asking price, Clay County$627

HOAbilled annually$8

Estimated total, before insurance$2,744/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.

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: material not specified — year not disclosed (home built 2022)

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. Municipal drinking water per the county inventory.

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

Solar potential: ~1,553 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