Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 26
Active

$423,0004 bd · 2 ba · 2,270 sq ft

Active·96 days on market

3048 Granary Park Avenue

Green Cove Springs, FL 32043

$423,000$186/sqftEst. $2,306/mo mortgageMLS# 2158882
↓ $17,000 below original list
4
Beds
2
Baths
2,270
Sq Ft
2024
Built
3
Garage
No
Pool
FEMA Zone XHOA $8/moSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Green Cove Springs

Welcome home to this beautiful 4-bedroom, 2-bathroom home featuring a paver driveway, gorgeous flooring throughout the main living areas, and cozy carpet in the bedrooms. The updated kitchen includes modern appliances, with the refrigerator, washer, and dryer all conveying with the home. The spacious primary suite overlooks a peaceful pond and features an oversized walk-in shower. Enjoy relaxing mornings or evenings on the covered paver patio with tranquil water views. Located in a sought-after community with resort-style amenities, including a beach-entry pool, clubhouse, and fitness center, this move-in-ready home is one you won't want to miss!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,306
Property taxesest. at asking price, Clay County$648
HOAbilled annually$8
Estimated total, before insurance$2,963/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

$423,000
$84,600
Loan Term
Monthly Payment
$2,306
Principal & Interest: $2,306
Property taxes (est.): $648
Insurance (est.): $282
Estimated Total Monthly
$3,236
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Nov 4, 2026Price change$423,000−$1,990
  • Oct 16, 2026Price change$424,990−$5,000
  • Sep 22, 2026Price change$429,990−$5,010
  • Aug 28, 2026Price change$435,000−$5,000
  • Aug 6, 2026Listed$440,000

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 $192/sq ft; this home is listed at $186/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2620 Field Daisy Lane, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$389,990$2063/21,8972090.1
2628 Field Daisy Lane, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$388,990$2004/31,943270.1
3001 Granary Park Avenue, Green Cove Springs, FL 32043Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Oct 2026$433,875$1714/32,541640.1
2940 Adelaide Road, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$384,490$1704/3.52,26050.3
2952 Adelaide Road, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$331,989$1874/21,774630.3
2944 Adelaide Road, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$319,994$1923/21,663630.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$423,000
Price / Sq Ft$186
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,270
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryLake Asbury, reported on 16 other Granary Park Phase 1 listings
MiddleLake Asbury, reported on 15 other Granary Park Phase 1 listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3048 Granary Park Avenue, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionGranary Park Phase 1
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number23-05-25-010101-010-36

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesConvection Oven, Dryer, Electric Range, Microwave, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Additional Information

Date ListedAugust 6, 2026
Days on Market96
HOA Fees$100 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines