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Active Under Contract

Active Under Contract·30 days on market

3311 Southern Oaks Drive

Green Cove Springs, FL 32043

$875,000$336/sqftEst. $4,494/moMLS# 2156657

Beds

Baths

2,607

Sq Ft

2022

Built

Garage

Yes

Pool

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

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,494

Principal & Interest: $4,494

Property taxes (est.): $1,341

Insurance (est.): $583

Estimated Total Monthly

$6,418

*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$4,494

Property taxesest. at asking price, Clay County$1,341

HOAbilled annually$79

Estimated total, before insurance$5,914/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.

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 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

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.

Features

Price$875,000

Price / Sq Ft$336

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,607

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure

Is WaterfrontYes

Community Information

Address3311 Southern Oaks Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionEdgewater Landing

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number29052601444600534

Amenities

AmenitiesGated, Playground, RV/Boat Storage

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Waterfront TypeCreek, Navigable Water, River Access

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

Spa FeaturesPrivate