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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

$419,9904 bd · 3.5 ba · 2,319 sq ft

Active·59 days on market

3234 Topaz Way

Green Cove Springs, FL 32043

$419,990$181/sqftEst. $2,290/mo mortgageMLS# 2164398
↓ $15,190 below original list
4
Beds
3.5
Baths
2,319
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $78/moSingle 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

Enjoy life in the Grayton! This thoughtfully designed floor plan offers a charming porch entry that leads into a foyer with a powder bath, a mudroom, and a laundry. Next, you'll find an airy great room overlooking an open layout with a dining area and an impressive kitchen with an island and a walk-in pantry. Four secondary bedrooms are on the left of the foyer with two shared baths. The serene primary suite is secluded at the back of the residence, showcasing a large walk-in closet and a private bath with dual vanities and a walk-in shower. Also includes a covered patio and a 3-bay garage! Options include: Shower and separate tub at primary bath, Super shower at primary bath. Asbury Creek also offers a playground and recreation areas for the community.

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$2,290
Property taxesest. at asking price, Clay County$644
HOAbilled monthly$78
Estimated total, before insurance$3,011/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

$419,990
$83,998
Loan Term
Monthly Payment
$2,290
Principal & Interest: $2,290
Property taxes (est.): $644
Insurance (est.): $280
Estimated Total Monthly
$3,213
*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: ~1,778 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 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, 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

  • Nov 5, 2026Price change$419,990−$10,000
  • Oct 2, 2026Price change$429,990−$5,190
  • Sep 23, 2026Price change$435,180+$4,240
  • Sep 22, 2026Price change$430,940+$12,520
  • Sep 11, 2026Listed$418,420

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 $183/sq ft; this home is listed at $181/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3217 Willowleaf Lane, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$449,990$1814/32,493610.2
3302 Willowleaf Lane, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCNov 2026$349,990$2043/21,716470.3
3041 Plantation Ridge Drive, Green Cove Springs, FL 32043Listed by REAL BROKER LLCOct 2026$395,000$1723/2.52,294250.3
3611 Zydeco Loop, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$415,000$1883/2.52,2061100.3
3592 Americana Drive, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$383,000$1774/32,1591380.5
3240 Crocus Lane, Green Cove Springs, FL 32043Listed by LOWEST FEE REALTY LLCOct 2026$365,000$1833/21,9981450.6

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$419,990
Price / Sq Ft$181
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,319
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address3234 Topaz Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionAsbury Creek
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number16052500933902103

Amenities

AmenitiesPlayground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond

Interior

Interior FeaturesEntrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 11, 2026
Days on Market59
HOA Fees$78 / Monthly
HOA FrequencyMonthly
HOA NamePriority Community Management - Michelle Sutton
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CENTURY COMMUNITIES OF FLORIDA

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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