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Active·2 days on market

3681 Winged Foot Circle

Green Cove Springs, FL 32043

$619,900$235/sqftEst. $3,197/moMLS# 2158577

Beds

Baths

2,640

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Experience luxury living in the exclusive Magnolia Point Golf & Country Club with this exceptional build opportunity by WT Construction. Perfectly positioned on a premier corner homesite, the stunning Patricia floor plan offers 5 bedrooms, 3.5 bathrooms, 2,640 square feet of elegant living space, and an impressive 3,831 total square feet under roof. Designed for those who appreciate open, sophisticated living, the Patricia seamlessly blends grand entertaining spaces with everyday comfort. The purchase price includes the homesite and the base floor plan, with the opportunity to personalize finishes and select premium upgrades to create a home that is uniquely yours. This is a rare opportunity to build a custom-quality residence in one of Northeast Florida's most sought-after golf course communities.

Cost to own

Mortgage calculator

Home Price

$619,900

Down Payment: 20%

$123,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,197

Principal & Interest: $3,197

Property taxes (est.): $950

Insurance (est.): $413

Estimated Total Monthly

$4,560

*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$3,197

Property taxesest. at asking price, Clay County$950

HOAbilled quarterly$169

Estimated total, before insurance$4,315/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,614/yr · $135/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): $1,614/yr

Estimated taxes if purchased at asking price: ~$11,400/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.

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 2026)

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

Solar potential: ~1,651 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