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

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Active

Active·26 days on market

3328 Southern Oaks Drive

Green Cove Springs, FL 32043

$675,000$283/sqftEst. $3,467/moMLS# 2157291

Beds

Baths

2,383

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

Green Cove Springs

Welcome to the IMMACULATE Edgewater Landing community.. This 4 bed 3 bath POOL home is fully UPGRADED and still feels BRAND NEW.. As you approach, the outside truly sets the tone for what's within.. Split bedrooms with a very open floor-plan, leaving the new owners with endless possibilities.. Enjoy a state of the art gourmet kitchen - granite countertops, upgraded lighting, stainless steel appliances, a HUGE kitchen island and the list goes on.. Very spacious bedrooms and closets.. Huge sliding glass doors overlooking into your backyard oasis and is very nice and peaceful out there! This home has been perfectly maintained and has awesome CURB APPEAL.. RV and Boat storage in the neighborhood also.. Dock access just a few steps away from the home! IDEAL location - close to eating, shopping, schools, highways, and everything else Green Cove has to offer!

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,467

Principal & Interest: $3,467

Property taxes (est.): $1,034

Insurance (est.): $450

Estimated Total Monthly

$4,951

*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$3,467

Property taxesest. at asking price, Clay County$1,034

HOAbilled annually$100

Estimated total, before insurance$4,601/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 2017)

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

Solar potential: ~1,706 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