Sold·Closed Sep 11, 2026·20 days on market
3311 Southern Oaks Drive
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Looking for a custom-built waterfront home with navigable water access to the St. Johns River with Cabana vibes and serious upgrades? YOU FOUND IT! This stunning 2022 Rosewood Homes ''Holly Ridge'' model sits over 1.1 acres on Peters Creek with navigable water access to Black Creek and the St. Johns River! This 3-bedroom, 3-bath, open-concept beauty delivers 10-ft ceilings, engineered wood flooring throughout the main living areas, and over $160,000 in improvements that take Florida living to the next level. Step inside and feel the quality: soft-close upgraded cabinetry, granite counters, GE stainless gourmet kitchen package, wine fridge, solid-core doors, and designer finishes. The living space flows seamlessly into the café, and out through a massive 12-ft slider onto your covered lanai. The king-sized owner's suite is a true retreat with a large walk-in closet, garden tub, and tile to ceiling walk-in shower. Two additional spacious bedrooms, a private office, a full utility room
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
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.
Solar potential: ~1,633 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.
History
Price & status history
- Sep 12, 2026Closed$875,000
- Aug 12, 2026Active Under Contract$875,000
- Jul 30, 2026Price change$875,000−$25,000
- Jul 23, 2026Listed$900,000
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 $195/sq ft; this home is listed at $336/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3011 Free Bird Loop, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTY | Aug 2026 | $438,000 | $193 | 4/2 | 2,275 | 71 | 0.1 |
| 3034 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $600,000 | $211 | 5/4 | 2,839 | 90 | 0.2 |
| 3060 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Aug 2026 | $455,000 | $183 | 4/4 | 2,492 | 9 | 0.2 |
| 3292 Cypress Walk Place, Green Cove Springs, FL 32043Listed by MOMENTUM REALTY | Sep 2026 | $460,000 | $195 | 4/3 | 2,361 | 42 | 0.3 |
| 2766 Oak Stream Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $340,000 | $185 | 4/2 | 1,835 | 29 | 0.7 |
| 3255 Maryland Avenue, Green Cove Springs, FL 32043Listed by PLANTANA REALTY, INC. | Aug 2026 | $445,000 | $200 | 3/2.5 | 2,220 | 11 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 11, 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
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
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