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Active·42 days on market

2249 Shady Breeze Lane 2F

Green Cove Springs, FL 32043

$284,900$172/sqftEst. $1,578/moMLS# 2162545
↓ $10,100 below original list
3
Beds
2
Baths
1,655
Sq Ft
2023
Built
2
Garage
No
Pool
FEMA Zone XHOA $10/mo10,890 sqft lotSingle Family Residence1 story

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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

Great Lot Alert! No neighbors to one side just open green space, a large well maintained lake is in front and the home backs to preserve which is fully fenced. Located in beautiful Cross Creek in North Green Cove Springs, it would be hard to find a lot better than this one in the neighborhood. Home has been upgraded with clean quartz countertops, no carpet, just easy to maintain LVP. Owners suite has two large closets and upgraded vanity with walk in shower. Ceiling fans, upgraded cabinetry and more upgrades make this house feel like home. If you are looking in the area make sure to check this one out.

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$1,578
Property taxesest. at asking price, Clay County$437
HOAbilled annually$10
Estimated total, before insurance$2,025/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$284,900
$56,980
Loan Term
Monthly Payment
$1,578
Principal & Interest: $1,578
Property taxes (est.): $437
Insurance (est.): $190
Estimated Total Monthly
$2,205
*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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,645 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 16, 2026Price change$284,900−$10,100
  • Aug 29, 2026Listed$295,000

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 $170/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3040 Rustic Deer Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$275,000$1703/21,618270.1
2366 Evening Oaks Lane, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$289,000$1693/21,711190.6
2766 Oak Stream Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNSSep 2026$340,000$1854/21,835290.7
3158 Cold Leaf Way, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$297,000$1604/21,8611100.7
2347 Oak Stream Drive, Green Cove Springs, FL 32043Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$274,000$1763/21,55820.8
2427 Falling Star Lane, Green Cove Springs, FL 32043Listed by BEYCOME OF FLORIDA LLCJul 2026$285,000$1604/21,7781180.8

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$284,900
Price / Sq Ft$172
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,655
Acres0.25 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryRideout
MiddleLake Asbury
HighClay

Community Information

Address2249 Shady Breeze Lane 2F, Green Cove Springs, FL 32043
Area162-Russell Landing/Penney Farms
SubdivisionCross Creek
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size10,890 sq ft
Parcel Number46-05-26-010301-00
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Fitness Center, Park, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Microwave, Refrigerator
HeatingElectric
CoolingElectric
FlooringLaminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot
FencingBack Yard

Additional Information

Date ListedAugust 29, 2026
Days on Market20
HOA Fees$125 / Annually
HOA FrequencyAnnually
Listing TermsCash, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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.

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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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