Active·1 day on market
435 Lake Asbury Drive
Green Cove Springs, FL 32043
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
Experience waterfront living in this stunning custom-built, two-story brick Colonial pool home on Black Creek in Lake Asbury. Featuring 5 bedrooms and 3.5 baths, this exceptional home welcomes you with a gorgeous spiral staircase in the foyer, beautiful hardwood and tile floors, and an open floor plan designed for comfortable living and entertaining. A wall of windows across the rear of the home showcases views of the screen pool, Black Creek, and a natural conservation area. An expansive second-floor balcony offers an elevated perspective of the same serene setting. Enjoy direct waterfront access with covered boathouse with electric boat lift, a separate gazebo dock with power, water, and fish-cleaning station. Black Creek offers deep-water access navigable to the St. Johns River. Additional features include covered RV/Boat parking, Utility Shed with Electric perfect as a workshop. Situated high on a bluff, designated Flood Zone X not requiring Flood Insurance.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water · Clay County Utilities
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,513 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Alpine Groves Parkabout 11 mi · 1 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 6 mi · Doctors Lake
Closest youth league fields
Rivertown Parkabout 10 mi · Baseball, Football, Lacrosse, Softball, Track
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:30 AM, sunset 6:55 PM.
- A pool here trades warmth for comfort.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $965,657 | $588,016 | — |
| 2024 | $953,971 | $570,737 | — |
| 2023 | $913,095 | $552,658 | — |
| 2022 | $750,130 | $535,105 | — |
| 2021 | $650,081 | $518,064 | — |
| 2020 | $632,742 | $510,221 | — |
2025 property taxes (current owner): $9,488/yr
Estimated taxes if purchased at asking price: ~$19,800/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 16, 2026Active$1,075,000
- Oct 12, 2026Listed$1,075,000
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 $207/sq ft; this home is listed at $365/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1099 Lake Asbury Drive, Green Cove Springs, FL 32043Listed by HERRON REAL ESTATE LLC | Aug 2026 | $620,000 | $228 | 3/3 | 2,718 | 36 | 0.2 |
| 273 Bush Court, Green Cove Springs, FL 32043Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $745,000 | $207 | 3/2.5 | 3,600 | 185 | 0.5 |
| 1277 Lake Asbury Drive, Green Cove Springs, FL 32043Listed by FREEDOM REALTY GROUP LLC | Sep 2026 | $639,000 | $273 | 5/3 | 2,338 | 53 | 0.6 |
| 929 Lake Asbury Drive, Green Cove Springs, FL 32043Listed by REGNIER REAL ESTATE | Sep 2026 | $350,000 | $122 | 3/3 | 2,880 | 199 | 0.7 |
| 211 Dow Court, Green Cove Springs, FL 32043Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $418,000 | $195 | 3/2 | 2,145 | 56 | 0.8 |
| 3315 Harvesters Court, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $535,000 | $186 | 4/4 | 2,881 | 133 | 1 |
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: HERRON REAL ESTATE LLC
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.
Keep looking
More homes in Lake Asbury
For Sale300 NW Talquin CourtJennings, FL 32053
3 bd · 2.5 ba · 2,196 sq ft
$1,050,000Est. $5,589/moRare lakefront estate offering the ultimate Florida lifestyle on a stunning private lake with your own dock & gazebo…
Listing Office: coldwell banker anabasis realty
For Sale697 Arthur Moore DriveGreen Cove Springs, FL 32043
4 bd · 3.5 ba · 3,188 sq ft
$760,000Est. $4,045/mo5.25% Assumable VA LOAN! Renovated and gated 4-bedroom, 3.5-bath waterfront home offering 3,188 sq ft on 1.01 acres…
Listing Office: coldwell banker vanguard realty
For Sale797 Arthur Moore Drive SGreen Cove Springs, FL 32043
4 bd · 3.5 ba · 2,904 sq ft
$700,000Est. $3,726/moWelcome to the lake! This one-of-a-kind home offers effortless living and sweeping views. Situated on nearly an acre,…
Listing Office: coldwell banker vanguard realty
For Sale268 Wesley RoadGreen Cove Springs, FL 32043
5 bd · 4 ba · 3,741 sq ft
$699,999Est. $3,726/mo**PRICED TO SELL!** YOU'LL LOVE LAKE LIFE!* VACATION AT HOME!* Spacious home on private spring fed fresh water Lake…
Listing Office: all real estate options inc
Keep looking
Similar homes in Green Cove Springs
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines