Active·25 days on market
2909 Decidely Street
Green Cove Springs, FL 32043
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
Welcome to 2909 Decidely St in Asbury Downs, located in the highly sought-after and growing Lake Asbury area of Green Cove Springs! This 3-bedroom, 2-bath home offers 1,476 sqft, a split-bedroom floor plan, dedicated home office, LVP and tile flooring throughout, stainless steel appliances, screened lanai, fully fenced backyard and extra parking. The eat-in kitchen features a convenient serving opening to the spacious family room, perfect for everyday living and entertaining. The primary suite includes double vanities, a large walk-in closet, separate shower and soaking tub. Double doors lead to the oversized screened lanai overlooking the spacious, fenced backyard with a large detached shed. An extra-wide paved driveway provides additional parking. Roof 2018, HVAC 2021 and water heater 2023. Convenient to highly rated schools, shopping and the First Coast Expressway. Schedule your private showing today and see all this Lake Asbury home has to offer!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,718 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,677/yr
Estimated taxes if purchased at asking price: ~$5,500/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 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Sep 22, 2026Price change$300,000−$10,000
- Sep 15, 2026Listed$310,000
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 $193/sq ft; this home is listed at $203/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2731 Fabius Court, Green Cove Springs, FL 32043Listed by ANCHOR REALTY FLORIDA | Oct 2026 | $296,900 | $221 | 3/2 | 1,344 | 5 | 0.2 |
| 3224 Ryans Court, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $242,000 | $204 | 3/2 | 1,189 | 8 | 0.2 |
| 3237 Bream Way, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Sep 2026 | $310,000 | $182 | 3/2 | 1,705 | 44 | 0.3 |
| 3468 Shelley Drive, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTY | Sep 2026 | $270,000 | $184 | 3/2 | 1,469 | 98 | 0.5 |
| 2244 Gardenmoss Drive, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $307,500 | $171 | 3/2 | 1,797 | 35 | 0.5 |
| 3275 Sexton Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2026 | $282,500 | $193 | 3/2 | 1,465 | 56 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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