Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$389,900

3023 FIVE OAKS Lane, Green Cove Springs, FL 32043

Five Oaks

Price
$389,900
Beds / Baths
4 / 2
Living area
2,188 sqft
Year built
2004
Type
Residential
Lot
0.18 ac
Garage
2
HOA
$35/mo
CDD
No
Flood zone
Unknown
County
Clay
Days on market
81

You don't want to miss this beautifully maintained 4-bedroom, 2-bath home located in a desirable area of Green Cove Springs! Offering over 2,000 square feet of living space, this home features a separate living room and formal dining room, providing plenty of room for entertaining and everyday living. The spacious kitchen includes an island, huge walk-in pantry, and opens to the family room with a cozy fireplace. Sliding glass doors lead to a screened porch, perfect for enjoying Florida's year-round weather. Recent updates include a new roof, 2-year-old HVAC system, new flooring, and a newer water heater, providing peace of mind for years to come. Conveniently located near shopping, dining, schools, and major roadways, this move-in-ready home combines comfort, space, and value. Schedule your showing today!

What to check on this one

  • Verify roof installation date and warranty documentation for new roof.
  • Confirm HVAC system age (claimed 2-year-old) and service records.
  • Obtain flood zone designation and elevation certificate if in AE/VE.
  • Request HOA documentation and verify $35/month includes all fees.
  • Confirm water heater age and plumbing material (polybutylene risk if pre-1995).

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,023/mo
Property tax (1.1% eff., Clay Co.)$357/mo
Homeowners insurance (est.)$292/mo
HOA$35/mo
All-in monthly (est.)$2,707/mo

Loan $311,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of UNITED REAL ESTATE GALLERY. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 11:10 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.