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Active

Active·19 days on market

3190 Southern Oaks Drive

Green Cove Springs, FL 32043

$650,000$179/sqftEst. $3,338/moMLS# 2158414

Beds

Baths

3,625

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

Green Cove Springs

Welcome to a home where space, serenity, and Southern rock history come together in the gated waterfront community of Edgewater Landing. Set beneath a canopy of majestic live oaks and cypress trees along the southern banks of Peters Creek, this remarkable 114-acre community occupies land once used as rehearsal grounds by Ronnie Van Zant and Lynyrd Skynyrd. In a humble tin-roofed wooden shack, the band spent long days refining its unmistakable sound, and songs including ''Free Bird'' and ''Sweet Home Alabama'' were born here. Today, the community's street names pay tribute to that extraordinary musical legacy. Overlooking a peaceful pond, this impressive 3,625-square-foot, two-story residence offers five bedrooms, three-and-a-half bathrooms, and abundant room to gather, work, relax, and entertain. Soaring ceilings and generous windows create a bright, open atmosphere, while neutral finishes and 42 inch cabinetry provide a timeless foundation ready for any personal style.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,338

Principal & Interest: $3,338

Property taxes (est.): $996

Insurance (est.): $433

Estimated Total Monthly

$4,768

*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$3,338

Property taxesest. at asking price, Clay County$996

HOAbilled annually$100

Estimated total, before insurance$4,434/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,311/yr · $526/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

2025 property taxes (current owner): $6,311/yr

Estimated taxes if purchased at asking price: ~$12,000/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, 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.

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: ~1,615 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 August 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

Aug 19, 2026Price change$650,000−$10,000
Aug 4, 2026Active$660,000
Aug 3, 2026Active Under Contract$660,000
Aug 3, 2026Listed$660,000

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

Features

Price$650,000

Price / Sq Ft$179

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,625

Acres0.22 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontYes

Community Information

Address3190 Southern Oaks Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionEdgewater Landing

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size9,583.2 sq ft

Parcel Number29052601444600458

ZoningResidential

Amenities

AmenitiesPool, Boat Dock, Children's Pool, Clubhouse, Maintenance Grounds, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air

# of Stories2

LevelsTwo

SecuritySecurity Gate