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Sold

Sold·Closed Sep 22, 2026·35 days on market

2244 Gardenmoss Drive

Green Cove Springs, FL 32043

$307,500sold priceListed at $320,000 · 96.1% of asking$171/sqftMLS# 2157357
3
Beds
2
Baths
1,797
Sq Ft
2007
Built
2
Garage
No
Pool
FEMA Zone XHOA $39/mo8,015 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

NO CDD FEES! Welcome home to this beautifully maintained, move-in-ready 3-bedroom, 2-bath home offering stylish updates, flexible living spaces, and exceptional value. Enjoy peace of mind with a new roof and HVAC (2023), fresh interior paint, and beautiful wood flooring throughout the main living areas. The spacious primary suite, flex space, and dining room feature newly cleaned carpet. The flex space was recently remodeled and enhanced with elegant core doors, creating a fresh, updated look. The well-appointed kitchen features granite countertops, a granite backsplash, and one-year-old stainless steel appliances, all of which convey with the home. A standout feature is the permitted Florida room with tinted windows--perfect for entertaining, watching the big game, hosting holiday gatherings, or simply relaxing year-round. The custom bar also conveys with the home but can easily be removed to suit your personal style. Additional highlights include: * No CDD fees

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,703
Property taxesest. at asking price, Clay County$471
HOAbilled annually$39
Estimated total, before insurance$2,213/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$307,500
$61,500
Loan Term
Monthly Payment
$1,703
Principal & Interest: $1,703
Property taxes (est.): $471
Insurance (est.): $205
Estimated Total Monthly
$2,380
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2007)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,756 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 22, 2026Closed$320,000
  • Sep 1, 2026Pending$320,000
  • Aug 22, 2026Price change$320,000−$5,000
  • Aug 4, 2026Price change$325,000−$5,000
  • Jul 28, 2026Listed$330,000

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 $184/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2731 Fabius Court, Green Cove Springs, FL 32043Listed by ANCHOR REALTY FLORIDAOct 2026$296,900$2213/21,34450.2
3237 Bream Way, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLCSep 2026$310,000$1823/21,705440.6
3330 Meadow Ridge Place, Green Cove Springs, FL 32043Listed by ADAMS HOMES REALTY INCOct 2026$325,000$1734/21,8821150.7
2635 Royal Pointe Drive, Green Cove Springs, FL 32043Listed by EVERYSTATE INCSep 2026$355,000$1744/22,045830.7
3275 Sexton Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLESep 2026$282,500$1933/21,465560.8
3468 Shelley Drive, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTYSep 2026$270,000$1843/21,469980.9

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

Price$320,000
Price / Sq Ft$178
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,797
Acres0.18 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address2244 Gardenmoss Drive, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionSilver Creek
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size8,015.04 sq ft
Parcel Number22-05-25-010109-00
ZoningPUD

Amenities

AmenitiesPool, Park
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Nook
AppliancesDishwasher, Electric Cooktop, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne

Additional Information

Date ListedJuly 28, 2026
Days on Market35
HOA Fees$468 / Annually
HOA FrequencyAnnually
HOA NamePriority Management
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 22, 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.

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