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Active·3 days on market

2515 Windsor Lakes Way

Green Cove Springs, FL 32043

$422,856$169/sqftEst. $2,342/mo mortgageMLS# 2169295
Open house Fri, Oct 23 · 1:00 pm–5:00 pm
4
Beds
3
Baths
2,500
Sq Ft
2027
Built
2
Garage
No
Pool
FEMA Zone XHOA $14/mo4,356 sqft lotSingle Family Residence2 storiesNew construction

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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

The Vero offers an exceptional combination of space, style, and versatility. A grand foyer welcomes you into the open-concept main living area, where the spacious kitchen features 42" cabinetry, a coveted walk-in pantry, abundant storage, and plenty of room for cooking and entertaining. A first-floor bedroom provides added flexibility for guests, a home office, or multigenerational living. Upstairs, you'll find an expansive primary suite, additional spacious bedrooms, and a generous loft perfect for a media room, playroom, home gym, or second living area. Step outside to the large covered patio and relax. With its thoughtful layout, abundant storage, and flexible living spaces, the Vero is designed for both everyday comfort and effortless entertaining. Photos are representative of a Vero Floorplan**

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$2,342
Property taxesest. at asking price, Clay County$648
HOAbilled annually$14
Estimated total, before insurance$3,004/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,791/yr · $233/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

$422,856
$84,571
Loan Term
Monthly Payment
$2,342
Principal & Interest: $2,342
Property taxes (est.): $648
Insurance (est.): $282
Estimated Total Monthly
$3,272
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2027)

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. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

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.

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

2025 property taxes (current owner): $2,791/yr

Estimated taxes if purchased at asking price: ~$7,800/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, NEFMLS.

History

Price & status history

  • Oct 15, 2026Listed$422,856

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 $158/sq ft; this home is listed at $169/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2567 Windsor Lakes Way, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$446,056$1755/32,55400.1
2764 Laurel Falls Drive, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$390,000$1535/32,554650.3
2615 Eden Oaks Cove, Green Cove Springs, FL 32043Listed by ROUND TABLE REALTYOct 2026$405,990$1584/32,566930.3
3083 Grand Finale Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$329,985$1524/32,172870.7
2749 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$371,990$1584/2.52,360510.7
2746 Herd Street, Green Cove Springs, FL 32043Listed by LENNAR REALTY INCSep 2026$327,490$1514/32,172310.7

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$422,856
Price / Sq Ft$169
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,500
Total Structure Area3,000 sq ft
Acres0.10 acres
Year Built2027
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address2515 Windsor Lakes Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionAnabelle Island
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size4,356 sq ft
Parcel Number23-05-25-010097-016-21
ZoningResidential

Amenities

AmenitiesPool, Playground
Community FeaturesStreet Lights
UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 15, 2026
Days on Market3
HOA Fees$169.5 / Annually
HOA FrequencyAnnually
HOA NameSovereign & Jacobs
Tax Amount$2,791.39
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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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