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Active

Active·8 days on market

3323 Southern Oaks Drive

Green Cove Springs, FL 32043

$1,200,000$400/sqftEst. $6,163/moMLS# 2160277

Beds

Baths

3,003

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Green Cove Springs

WATERFRONT LUXURY IN EDGEWATER LANDING ON PETERS CREEK WITH BOAT ACCESS TO THE ST. JOHNS RIVER. Set on 0.97 acres within the gated Edgewater Landing community in Green Cove Springs, this exceptional 2022-built, 3,003-square-foot residence offers 4 bedrooms, 3 full and 2 half baths, a 3-car garage, private dock with covered boat lift, and a screened, heated saltwater pool and spa. Here, newer construction, privacy, waterfront living, and exceptional outdoor spaces come together in one remarkable property. Step inside and the scale of the home immediately impresses. Soaring 22-foot ceilings bring dramatic volume to the main living area, where an electric fireplace creates a striking focal point and expansive double sliding glass doors open to the screened outdoor living space. The open-concept kitchen, dining, and living areas flow effortlessly together, with the kitchen featuring granite countertops, a large center island, quartz sink, smart appliances, and upgraded finishes.

Cost to own

Mortgage calculator

Home Price

$1,200,000

Down Payment: 20%

$240,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$6,163

Principal & Interest: $6,163

Property taxes (est.): $1,839

Insurance (est.): $800

Estimated Total Monthly

$8,802

*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$6,163

Property taxesest. at asking price, Clay County$1,839

HOAbilled quarterly$82

Estimated total, before insurance$8,084/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,155/yr · $680/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): $8,155/yr

Estimated taxes if purchased at asking price: ~$22,100/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,775 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 14, 2026Listed$1,200,000

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

Features

Price$1,200,000

Price / Sq Ft$400

Bedrooms4

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage3,003

Total Structure Area3,887 sq ft

Acres0.97 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontYes

Community Information

Address3323 Southern Oaks Drive, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionEdgewater Landing

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size42,253.2 sq ft

Parcel Number29052601444600532

ZoningPUD

Amenities

AmenitiesBoat Dock, Gated, Playground, RV/Boat Storage

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewTrees/Woods

Waterfront TypeCreek, Navigable Water, River Access

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecurityKey Card Entry, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Heated