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Active

Active·14 days on market

3230 Topaz Way

Green Cove Springs, FL 32043

$464,180$185/sqftEst. $2,478/moMLS# 2164402
4
Beds
2.5
Baths
2,511
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $78/moSingle Family Residence2 storiesNew construction

About this home

Green Cove Springs

Offering abundant living space, the Amelia II boasts a convenient main-floor owner's suite with a private bath and roomy walk-in closet. The main floor also includes a valet entry off the 3 car garage and an inviting open-concept living space, anchored by a large kitchen--with a center island and pantry--overlooking a casual dining area and great room with patio access. Heading upstairs, you'll enjoy additional hangout space in an expansive game room. The second floor also offers three generous secondary bedrooms--all featuring walk-in closets--that share a full hall 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 · 7.03% · 30yr$2,478
Property taxesest. at asking price, Clay County$711
HOAbilled monthly$78
Estimated total, before insurance$3,267/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

$464,180
$92,836
Loan Term
Monthly Payment
$2,478
Principal & Interest: $2,478
Property taxes (est.): $711
Insurance (est.): $309
Estimated Total Monthly
$3,499
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 23, 2026Price change$464,180+$4,240
  • Sep 22, 2026Price change$459,940+$11,500
  • Sep 11, 2026Listed$448,440

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

Features

Price$464,180
Price / Sq Ft$185
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,511
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address3230 Topaz Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionAsbury Creek
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number16052500933902104

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, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

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

Additional Information

Date ListedSeptember 11, 2026
Days on Market12
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.

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

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