Active·81 days on market
3166 Rustic Deer Way
Green Cove Springs, FL 32043
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
3166 Rustic Deer Way is a one-story Green Cove Springs home built in 2023 with an open main level. The kitchen is built around an island with quartz countertops and seating, stainless steel appliances, and generous cabinetry that opens to the great room for connected daily living. The primary bedroom includes a walk-in closet for organized storage and an ensuite bathroom with double sinks, while a full bath with a combined tub and shower serves the additional bedrooms. A fully fenced backyard provides usable outdoor space, and a two-car garage adds covered parking and storage, completing a well-maintained residence with practical amenities throughout.. Included 100-Day Home Warranty with buyer activation
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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
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: ~1,769 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $6,446/yr
Estimated taxes if purchased at asking price: ~$5,000/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 16, 2026Price change$274,000−$3,000
- Aug 19, 2026Price change$277,000−$3,000
- Jul 29, 2026Price change$280,000−$3,000
- Jul 21, 2026Listed$283,000
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 $169/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3040 Rustic Deer Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $275,000 | $170 | 3/2 | 1,618 | 27 | 0.3 |
| 2366 Evening Oaks Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $289,000 | $169 | 3/2 | 1,711 | 19 | 0.8 |
| 2841 Hammock Dale Court, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $338,000 | $168 | 4/3 | 2,006 | 80 | 1.1 |
| 2347 Oak Stream Drive, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $274,000 | $176 | 3/2 | 1,558 | 2 | 1.1 |
| 2766 Oak Stream Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $340,000 | $185 | 4/2 | 1,835 | 29 | 1.1 |
| 3158 Cold Leaf Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $297,000 | $160 | 4/2 | 1,861 | 110 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OPENDOOR BROKERAGE, LLC.
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.
Keep looking
More homes in Cross Creek
For Sale2409 Falling Star LaneGreen Cove Springs, FL 32043
4 bd · 2 ba · 1,856 sq ft
$278,000Est. $1,480/moShort Sale. BACK ON MARKET NO FAULT OF SELLER. Featuring a split-bedroom layout with a private owner's suite with a…
Listing Office: dalton wade inc
Under Contract2486 Oak Stream DriveGreen Cove Springs, FL 32043
4 bd · 2 ba · 1,861 sq ft
$279,000Est. $1,485/moASK HOW TO GET A LOWER INTEREST RATE!!!!! Better than new, this impeccably maintained, 4-bedroom, 2-bath home in Green…
Listing Office: anchor realty jax
For Sale2458 Falling Star LaneGreen Cove Springs, FL 32043
3 bd · 2 ba · 1,618 sq ft
$268,500Est. $1,429/moFALL in love with the perfect blend of modern construction and timeless bungalow charm!! Built in 2023 and meticulously…
Listing Office: coldwell banker vanguard realty
Pending2302 Falling Star LaneGreen Cove Springs, FL 32043
3 bd · 2 ba · 1,651 sq ft
$266,500Est. $1,418/moYou don't want to miss this move ready, like new, 3 bedroom 2 bathroom Smart Home. Ranch style with everything on one…
Listing Office: mcguire realty group
Keep looking
Similar homes in Green Cove Springs
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines