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Active·Listed today

3269 Vanden Sawyer Court

Green Cove Springs, FL 32043

$629,000$197/sqftEst. $3,484/moMLS# 2168801
5
Beds
4
Baths
3,194
Sq Ft
2023
Built
3
Garage
No
Pool
FEMA Zone XHOA $86/mo8,276 sqft lotSingle Family Residence2 stories

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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

If you're searching for a luxury home with a charming small-town feel, look no further! Nestled in the highly coveted Goose Creek Estates, this stunning estate offers a low HOA and no CDD fees, a rare find in this area. Just minutes away to top schools, shopping, downtown Green Cove Springs and the First Coast Expressway - making your commute a breeze. Arrive in style with a three-car garage, fresh landscaping, and elegant double front doors that set the tone for what's inside. Step into a bright, open-concept floor plan featuring 12-foot ceilings, beautiful tile flooring, and refined finishes throughout with 5 spacious bedrooms and 4 full bathrooms! The living room serves as the heart of the home, highlighted by a striking coffered ceiling and seamless flow into a true chef's kitchen.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,484
Property taxesest. at asking price, Clay County$964
HOAbilled quarterly$86
Estimated total, before insurance$4,534/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,274/yr · $523/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

$629,000
$125,800
Loan Term
Monthly Payment
$3,484
Principal & Interest: $3,484
Property taxes (est.): $964
Insurance (est.): $419
Estimated Total Monthly
$4,867
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Solar potential: ~1,464 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.

Ask about this home

As of October 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

YearMarket valueTaxable valueChange
2025$612,510$377,274—
2024$558,144$365,934—
2023$70,000$44,000—
2022$40,000$40,000—

2025 property taxes (current owner): $6,274/yr

Estimated taxes if purchased at asking price: ~$11,600/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 (2025), NEFMLS.

History

Price & status history

  • Oct 12, 2026Active$629,000
  • Oct 9, 2026Listed$629,000

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 $210/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3011 Goose Creek Lane, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATEAug 2026$599,800$1745/3.53,4542170.1
1646 County Road 315B, Green Cove Springs, FL 32043Listed by ASHLEY HOMES REALTY LLCJun 2026$659,000$2874/32,2954030.1
3011 Free Bird Loop, Green Cove Springs, FL 32043Listed by EXIT MAGNOLIA POINT REALTYAug 2026$438,000$1934/22,275710.5
3206 Southern Oaks Drive, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS ST JOHNSJun 2026$499,999$2104/32,383840.5
3024 Free Bird Loop, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$551,500$1954/32,822270.5
3034 Free Bird Loop, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLCSep 2026$600,000$2115/42,839900.6

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.

Features

Price$629,000
Price / Sq Ft$197
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,194
Acres0.19 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ElementarySpring Park
MiddleGreen Cove Springs
HighClay

Community Information

Address3269 Vanden Sawyer Court, 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 Number32052602099201217

Amenities

AmenitiesMaintenance Grounds, Park, Playground
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewOther

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingBack Yard
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 12, 2026
Days on Market0
HOA Fees$257 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$6,273.63
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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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