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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

$575,0004 bd · 3 ba · 2,527 sq ft

Active·60 days on market

2996 Goose Creek Lane

Green Cove Springs, FL 32043

$575,000$228/sqftEst. $3,135/mo mortgageMLS# 2164509
4
Beds
3
Baths
2,527
Sq Ft
2023
Built
3
Garage
No
Pool
FEMA Zone XHOA $88/mo8,276 sqft lotWaterfrontSingle Family Residence1 story

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

Relaxed Florida living in the boutique community of Goose Creek. This like-new 4-bedroom, 3-bath residence offers approximately 2,527 square feet of beautifully appointed living space with tranquil pond views and a spacious 3-car garage. At the heart of the home is a thoughtfully designed gourmet kitchen featuring an impressive oversized island that naturally becomes the center of the home, where you can enjoy family time and memorable gatherings. The open layout creates an effortless flow for entertaining while maintaining warm, inviting spaces to unwind. The spacious primary suite provides a relaxing retreat, while the additional bedrooms offer flexibility for family, guests, a home office, or hobbies. With three full bathrooms, the home is designed to accommodate both everyday living and entertaining with ease. Step outside and enjoy the serenity of the pond view--a beautiful backdrop for morning coffee, evening cocktails, or simply savoring the quiet moments at home. The

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$3,135
Property taxesest. at asking price, Clay County$862
HOAbilled annually$88
Estimated total, before insurance$4,085/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,817/yr · $568/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

$575,000
$115,000
Loan Term
Monthly Payment
$3,135
Principal & Interest: $3,135
Property taxes (est.): $862
Insurance (est.): $383
Estimated Total Monthly
$4,380
*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 2023)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,274 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2026$511,182$424,730—

2025 property taxes (current owner): $6,817/yr

Estimated taxes if purchased at asking price: ~$10,300/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Sep 11, 2026Listed$575,000

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 $211/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3249 Maryland Avenue, Green Cove Springs, FL 32043Listed by WATSON REALTY CORPOct 2026$358,000$1993/21,802510.2
3255 Maryland Avenue, Green Cove Springs, FL 32043Listed by PLANTANA REALTY, INC.Aug 2026$445,000$2003/2.52,220110.2
3034 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLCSep 2026$600,000$2115/42,839900.5
3011 Free Bird Loop, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTYAug 2026$438,000$1934/22,275710.5
3323 Southern Oaks Drive, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$1,152,500$3844/43,003310.6
3311 Southern Oaks Drive, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$860,000$3303/32,607200.6

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$575,000
Price / Sq Ft$228
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,527
Acres0.19 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

ElementarySpring Park
MiddleGreen Cove Springs
HighClay

Community Information

Address2996 Goose Creek Lane, Green Cove Springs, FL 32043
Area161-Green Cove Springs
SubdivisionGoose Creek Estates
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size8,276.4 sq ft
Parcel Number32052602099201223
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingElectric
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne

Exterior

Lot DescriptionDead End Street
Patio / PorchRear Porch, Screened
FencingFenced, Vinyl, Wrought Iron
RoofShingle
ConstructionFiber Cement, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 11, 2026
Days on Market60
HOA Fees$1,060 / Annually
HOA FrequencyAnnually
HOA NameGoose Creek Estates HOA Association
Tax Amount$6,817.03
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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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