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Active

Active·3 days on market

3149 Tupelo Loop

Green Cove Springs, FL 32043

$359,900$156/sqftEst. $1,906/moMLS# 2165580
4
Beds
2
Baths
2,309
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $166/mo6,970 sqft lotWaterfrontSingle Family Residence1 story

About this home

Green Cove Springs

Experience the best of active adult living in this beautifully upgraded 2024 Lennar-built home, located in the desirable gated 55+ community of Edenbrooke at Hyland Trail. Offering 4 bedrooms, 2 bathrooms, and a spacious 2-car garage, this nearly new residence combines modern elegance with low-maintenance Florida living.A decorative glass front door welcomes you into a bright foyer with tile flooring that opens to an inviting, light-filled open-concept design. The gourmet kitchen is the heart of the home, featuring a large center island, quartz countertops, stainless steel appliances, double ovens, two generous pantries, upgraded faucets, designer cabinet hardware, enhanced lighting, and a whole-home water softener with filtration system--perfect for entertaining family and friends.The dining area flows effortlessly through upgraded sliding glass doors to an extended covered and screened lanai complete with a relaxing hot tub and tranquil lake views, creating the perfect

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,906
Property taxesest. at asking price, Clay County$552
HOAbilled quarterly$166
Estimated total, before insurance$2,623/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,197/yr · $516/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

$359,900
$71,980
Loan Term
Monthly Payment
$1,906
Principal & Interest: $1,906
Property taxes (est.): $552
Insurance (est.): $240
Estimated Total Monthly
$2,697
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 2024)

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,197/yr

Estimated taxes if purchased at asking price: ~$6,600/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 19, 2026Listed$359,900

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

Features

Price$359,900
Price / Sq Ft$156
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,309
Total Structure Area2,975 sq ft
Acres0.16 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
55+ CommunityYes

Community Information

Address3149 Tupelo Loop, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionEdenbrooke At Hyland Trails At Creekview Trail
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size6,969.6 sq ft
Parcel Number15052500933800433
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Pickleball, Playground, Shuffleboard Court, Trash
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingGarage, Garage Door Opener
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)
Spa FeaturesIn Ground, Community

Exterior

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

Additional Information

Date ListedSeptember 19, 2026
Days on Market0
HOA Fees$498 / Quarterly
HOA FrequencyQuarterly
HOA NameKim Mercado
Tax Amount$6,196.88
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS · Greg@GregMosley.com

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

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20+ years · 500+ closings · NE Florida

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