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Active·Listed today

3477 Americana Drive

Green Cove Springs, FL 32043

$409,990$190/sqftEst. $2,119/moMLS# 2163943

Beds

Baths

2,153

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Step inside the Medina with its charming Farmhouse Elevation, offering 4 bedrooms, 3 bathrooms, and the inviting Luxury Calm Design Package. The thoughtfully planned open-concept layout provides generous spaces for both relaxing and entertaining. At the center of the home, the gourmet kitchen features built-in stainless steel appliances, including an electric cooktop, wood hood, microwave/oven tower, and dishwasher. Stone Gray cabinetry, quartz countertops, a white flow picket tile backsplash, and an oversized island add a modern touch while connecting seamlessly to the gathering room and covered lanai. Luxury vinyl plank flooring enhances the main living areas. Added conveniences include a Smart Home Package and Move-In Ready Package with blinds, refrigerator, washer, and dryer.

Cost to own

Mortgage calculator

Home Price

$409,990

Down Payment: 20%

$81,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,119

Principal & Interest: $2,119

Property taxes (est.): $628

Insurance (est.): $273

Estimated Total Monthly

$3,020

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.71% · 30yr$2,119

Property taxesest. at asking price, Clay County$628

HOAbilled monthly$13

Estimated total, before insurance$2,759/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.

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.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 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 8, 2026Listed$409,990

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

Features

Price$409,990

Price / Sq Ft$190

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,153

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3477 Americana Drive, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number15052500933800709

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup