Pending·51 days on market
3440 Shelley Drive
Green Cove Springs, FL 32043
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
Prepare to be impressed by the incredibly low electric bills on this well-maintained home, featuring numerous energy-efficient upgrades. The attic, garage door, and water heater are insulated with TemperGuard insulation, certified by Utility Reductions and backed by a lifetime warranty. The exterior is protected with a Rhino Shield Ceramic Coating System that carries a 25-year warranty. Additional efficiency features include a GE GeoSpring Hybrid Water Heater and thermal windows by Miracle Windows on the west side of the home. NO CDD fees, this home offers space and flexibility for today's lifestyle. Inside you'll find a formal dining room, an eat-in kitchen, and a spacious bonus room upstairs complete with its own mini-split A/C unit. The garage is also climate-controlled with a mini-split A/C system and includes an electric vehicle charging outlet. Need extra storage or workshop space? The large backyard shed has electricity already connected. Welcome to your place called home.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
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: ~1,781 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 homeAs 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $277,367 | $226,645 | — |
| 2024 | $273,426 | $74,433 | — |
| 2023 | $270,791 | $70,809 | — |
| 2022 | $240,863 | $67,291 | — |
| 2021 | $191,970 | $63,875 | — |
| 2020 | $172,395 | $62,303 | — |
2025 property taxes (current owner): $3,976/yr
Estimated taxes if purchased at asking price: ~$5,500/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 (2025), NEFMLS.
History
Price & status history
- Oct 7, 2026Pending$298,500
- Sep 25, 2026Active Under Contract$298,500
- Aug 27, 2026Price change$298,500−$2,200
- Aug 21, 2026Listed$300,700
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 $184/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3468 Shelley Drive, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTY | Sep 2026 | $270,000 | $184 | 3/2 | 1,469 | 98 | 0.1 |
| 3275 Sexton Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2026 | $282,500 | $193 | 3/2 | 1,465 | 56 | 0.1 |
| 2635 Royal Pointe Drive, Green Cove Springs, FL 32043Listed by EVERYSTATE INC | Sep 2026 | $355,000 | $174 | 4/2 | 2,045 | 83 | 0.4 |
| 2731 Fabius Court, Green Cove Springs, FL 32043Listed by ANCHOR REALTY FLORIDA | Oct 2026 | $296,900 | $221 | 3/2 | 1,344 | 5 | 0.7 |
| 3237 Bream Way, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $310,000 | $182 | 3/2 | 1,705 | 44 | 0.8 |
| 2244 Gardenmoss Drive, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $307,500 | $171 | 3/2 | 1,797 | 35 | 1 |
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.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
Keep looking
More homes in Arava
Pending3756 Arava DriveGreen Cove Springs, FL 32043
4 bd · 2 ba · 1,461 sq ft
$315,000Est. $1,677/moWelcome to your next home in the up-and-coming Lake Asbury area! This spacious 4-bedroom, 2-bath home was built in…
Listing Office: coldwell banker vanguard realty
For Sale3771 Arava DriveGreen Cove Springs, FL 32043
4 bd · 2 ba · 1,899 sq ft
$322,500Est. $1,716/moDon't miss this opportunity to own a spacious home in the highly sought-after Lake Asbury community with a low HOA.…
Listing Office: sovereign real estate group
Keep looking
Similar homes in Green Cove Springs
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines