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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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Active

$439,8995 bd · 3.5 ba · 3,026 sq ft

Active·76 days on market

2413 Morganza Way

Green Cove Springs, FL 32043

$439,899$145/sqftEst. $2,398/mo mortgageMLS# 2161887
↓ $35,581 below original list
5
Beds
3.5
Baths
3,026
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $160/mo6,098 sqft lotSingle Family Residence2 storiesNew 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

Move In ready! One of the LAST Trinidad Floor Plans Remaining at Russell Retreat - NO CDD Fees! Don't miss your opportunity to own this elegant Trinidad II floor plan by Lennar, offering 5 bedrooms, 3.5 bathrooms, and a thoughtfully designed layout for modern living. Situated on a more private homesite, this home offers an added sense of privacy and a peaceful setting to enjoy your outdoor living space. A grand foyer with soaring ceilings welcomes you into the spacious open-concept living area. The gourmet kitchen shines with quartz countertops, a center island, 42-inch staggered cabinetry, double ovens, and a walk-in pantry. The spacious owner's suite offers private access to the extended screened lanai, creating the perfect place to relax and unwind. Upstairs, a light-filled staircase leads to a versatile loft and four additional bedrooms, offering plenty of room for family, guests, or a home office.(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 · 7.24% · 30yr$2,398
Property taxesest. at asking price, Clay County$674
HOAbilled quarterly$160
Estimated total, before insurance$3,232/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$534/yr · $44/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

$439,899
$87,980
Loan Term
Monthly Payment
$2,398
Principal & Interest: $2,398
Property taxes (est.): $674
Insurance (est.): $293
Estimated Total Monthly
$3,366
*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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,702 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.

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

  • Oct 5, 2026Price change$439,899−$20,081
  • Sep 24, 2026Price change$459,980−$5,000
  • Sep 14, 2026Price change$464,980−$10,500
  • Aug 26, 2026Listed$475,480

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 $166/sq ft; this home is listed at $145/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2421 Morganza Way, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCNov 2026$394,980$1664/32,382340
2438 Morganza Way, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$403,841$1254/33,223430
2451 Morganza Way, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$403,841$1254/33,223440.1
2441 Morganza Way, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCOct 2026$399,056$1244/33,223410.1
2453 Bradley Park Drive, Green Cove Springs, FL 32043Listed by UNITED REAL ESTATE GALLERYOct 2026$448,000$2053/22,187620.6
3659 Americana Drive, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$450,000$1964/32,296601

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$439,899
Price / Sq Ft$145
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,026
Acres0.14 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address2413 Morganza Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionRussell Retreat
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size6,098.4 sq ft
Parcel Number000

Amenities

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

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 26, 2026
Days on Market76
HOA Fees$479.81 / Quarterly
HOA FrequencyQuarterly
Tax Amount$533.84
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.

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