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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Pending

Pending·46 days on market

3111 Grand Finale Street

Green Cove Springs, FL 32043

$303,485$205/sqftEst. $1,681/moMLS# 2161881
↓ $8,000 below original list
3
Beds
2
Baths
1,484
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $106/mo6,970 sqft lotSingle Family Residence1 storyNew construction

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

Under Construction: Ready November 2026! Welcome to the Bloom by Lennar Homes, offering 3 spacious bedrooms, 2 modern baths, and a 2-car garage. This home comes complete with Lennar's signature Everything's Included package, featuring stylish white cabinets with quartz countertops, 36-inch cabinetry, and a full suite of stainless steel appliances including range, dishwasher, microwave, and refrigerator. Luxury vinyl plank flooring flows throughout the living room, kitchen, and bathrooms for a sleek and low-maintenance finish. Sprinkler system are also included for your convenience. Enjoy peace of mind with a one-year builder warranty, dedicated customer care program, and 24-hour emergency service. (Conditions may apply)

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,681
Property taxesest. at asking price, Clay County$465
HOAbilled annually$106
Estimated total, before insurance$2,252/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$655/yr · $55/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

$303,485
$60,697
Loan Term
Monthly Payment
$1,681
Principal & Interest: $1,681
Property taxes (est.): $465
Insurance (est.): $202
Estimated Total Monthly
$2,348
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2026)

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

Solar potential: ~1,538 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

  • Sep 28, 2026Pending$303,485
  • Sep 14, 2026Price change$303,485−$5,000
  • Sep 5, 2026Price change$308,485−$3,000
  • Aug 27, 2026Price change$311,485+$3,000
  • Aug 26, 2026Listed$308,485

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 $207/sq ft; this home is listed at $205/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2752 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCAug 2026$306,490$2073/21,484770
2745 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$330,000$1814/21,821740.1
2735 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$315,870$2133/21,484880.1
2826 Grand Finale Street, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$330,000$1764/2.51,879730.3
2948 Darlington Oak Road, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICESAug 2026$331,000$2113/21,571400.3
2948 Adelaide Road, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$327,000$1723/21,897950.8

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

Price$303,485
Price / Sq Ft$205
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,484
Acres0.16 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address3111 Grand Finale Street, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionHolstein Crossing
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size6,969.6 sq ft
Lot Dimensions40 X 110
Parcel Number000
ZoningPUD

Amenities

AmenitiesPool, Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 26, 2026
Days on Market30
HOA Fees$1,268 / Annually
HOA FrequencyAnnually
Tax Amount$654.64
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ 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.

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