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·10 days on market

2244 Gardenmoss Drive

Green Cove Springs, FL 32043

$325,000$181/sqftEst. $1,676/moMLS# 2157357

Beds

Baths

1,797

Sq Ft

2007

Built

Garage

Pool

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

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,676

Principal & Interest: $1,676

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,391

*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$1,676

Property taxesest. at asking price, Clay County$498

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.

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.

History