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Active Under Contract

Active Under Contract·32 days on market

2039 Medinah Lane

Green Cove Springs, FL 32043

$434,000$185/sqftEst. $2,298/moMLS# 2160844

Beds

Baths

2,352

Sq Ft

2007

Built

Garage

Pool

FEMA Zone XHOA $168/mo0.43 acresWaterfrontSingle Family Residence1 story

About this home

Green Cove Springs

Welcome to this beautiful 4 BR, 3 BA home nestled within the prestigious gated community of Magnolia Point Golf and Country Club. Designed for both entertaining and comfortable everyday living, this home features a formal living room and dining room, plus an inviting open-concept kitchen and family room anchored by a cozy gas fireplace. The spacious kitchen is beautifully appointed with quartz countertops, stainless appliances and ample cabinetry. Plantation shutters throughout the home add timeless style and privacy. Enjoy serene views of the lake from the comfort of your lanai with a fully fenced yard. This home is centrally located towards the back of the community with exclusive private exit/entrance for residents only. Don't miss out on owning in this wonderful Golf course community with resort style amenities including clubhouse, pool, tennis, playground and restaurant!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,298

Property taxesest. at asking price, Clay County$665

HOAbilled quarterly$168

Estimated total, before insurance$3,132/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,802/yr · $317/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$434,000

Down Payment: 20%

$86,800

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,298

Principal & Interest: $2,298

Property taxes (est.): $665

Insurance (est.): $289

Estimated Total Monthly

$3,253

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: Shingle — year not disclosed (home built 2007)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,737 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,802/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

History

Price & status history

Sep 2, 2026Active Under Contract$434,000
Aug 19, 2026Listed$434,000

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

Features

Price$434,000

Price / Sq Ft$185

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,352

Acres0.43 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

MiddleGreen Cove Springs

HighClay

Community Information

Address2039 Medinah Lane, Green Cove Springs, FL 32043

Area161-Green Cove Springs

SubdivisionMagnolia Point Golf

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size18,730.8 sq ft

Parcel Number05062601523102318

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Gated, Golf Course, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared

Patio / PorchRear Porch

FencingBack Yard

RoofShingle

ConstructionBrick Veneer, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedAugust 19, 2026

Days on Market14

HOA Fees$505.32 / Quarterly

HOA FrequencyQuarterly

HOA NameMay Management Services Inc.

Tax Amount$3,802.22

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EXIT 1 STOP REALTY · lori.exitonestop@gmail.com

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.

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Krista Fracke

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