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Active·7 days on market

3721 Americana Drive

Green Cove Springs, FL 32043

$420,000$185/sqftEst. $2,166/moMLS# 2157786

Beds

Baths

2,266

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Experience the Tilden, a spacious two-story home featuring a welcoming Coastal elevation and a thoughtfully designed open floor plan. With 5 bedrooms, 3 full bathrooms, and flexible living spaces, this home offers room to fit a variety of lifestyles. The kitchen is beautifully finished with white cabinetry, quartz countertops, a white herringbone subway tile backsplash, and a complete appliance package including an electric range, microwave, and dishwasher. This home also features luxury vinyl plank flooring. The kitchen flows seamlessly into the café and gathering room, creating an ideal space for entertaining, while the covered lanai extends your living area outdoors. Upstairs, the private Owner's Suite is complemented by additional bedrooms, a versatile loft, and a conveniently located laundry room. A Smart Home package and Move-In Ready package--including a refrigerator, washer, dryer, and window blinds--provide added comfort and convenience from day one.

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,166

Principal & Interest: $2,166

Property taxes (est.): $644

Insurance (est.): $280

Estimated Total Monthly

$3,090

*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$2,166

Property taxesest. at asking price, Clay County$644

HOAbilled monthly$13

Estimated total, before insurance$2,822/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: Shingle — year not disclosed (home built 2026)

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

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

Jul 30, 2026Listed$420,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$420,000

Price / Sq Ft$185

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,266

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address3721 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number15052500933800795

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup