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Active·14 days on market

1305 Lake Asbury Drive

Green Cove Springs, FL 32043

$425,000$253/sqftEst. $2,192/moMLS# 2157033

Beds

Baths

1,680

Sq Ft

1982

Built

Garage

Yes

Pool

About this home

Green Cove Springs

Pool home ON A LAKE for a price that you can afford!! Bring your vision and make this home your own! Situated on .76 acres with no HOA, 1305 Lake Asbury Drive offers the perfect opportunity to personalize a home and create a space that reflects your style. Enjoy endless outdoor adventure with lake access, an inground pool, and plenty of room to store boats, trailers, RVs, and all your outdoor toys. The fenced backyard provides added privacy and a secure space for pets and children to enjoy the outdoors. Located within the serene, original Lake Asbury golf cart community, this property offers a peaceful lifestyle with convenient access to shopping, dining, and surrounding areas. The new SR 23 First Coast Expressway is only one mile away, providing an easy route to Jacksonville, St. Augustine, and beyond. Whether you are relaxing poolside, enjoying time on the lake, or exploring the neighborhood by golf cart, this property is ready for its next chapter! *Some photos digitally staged.*

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,126

*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$2,192

Property taxesest. at asking price, Clay County$651

Estimated total, before insurance$2,843/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,326/yr · $444/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$340,138	$157,820	—
2024	$337,368	$152,665	—
2023	$325,151	$146,763	—
2022	$262,856	$141,033	—
2021	$207,747	$135,469	—
2020	$198,857	$132,909	—

2025 property taxes (current owner): $5,326/yr

Estimated taxes if purchased at asking price: ~$7,800/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 (2025), NEFMLS.

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 1982)

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

Likely septic · Public water · Clay County Utilities

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,594 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