$390,000
2805 OAK STREAM Drive, Green Cove Springs, FL 32043, Green Cove Springs, FL 32043
Cross Creek
- Price
- $390,000
- Beds / Baths
- 5 / 3
- Living area
- 2,564 sqft
- Year built
- 2023
- Type
- Residential
- Lot
- 0.18 ac
- Garage
- 2
- HOA
- $8/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 40
$152/sqft asking, vs a $179/sqft median across 1,751 closed sales in 32043 over the last 12 months — 15% below the area's closed prices. Condition and lot vary; that's what a showing is for.
**A Home That Checks All the Boxes!** A premium pond-front lot. Five bedrooms. Two flex spaces. A bedroom and full bath downstairs. A large fenced backyard. And a long list of community amenities just beyond your front door. This Cross Creek home has been exceptionally well maintained by its original military owner and is now vacant and move-in ready. Inside, the open kitchen, dining, and living areas create one central space for everyday living, while the first-floor flex room gives you the freedom to decide what you need most--home office, formal dining room, playroom, or additional living space. A first-floor bedroom and full bathroom offer a convenient setup for guests, multigenerational living, or anyone who prefers a bedroom without stairs. Upstairs, you'll find four additional bedrooms and a second flex space, providing even more room to spread out. But one of the best features isn't inside. Step outside to a large, fully fenced backyard overlooking the pond. A paver patio provides a finished outdoor space for grilling, entertaining, or simply enjoying the waterfront setting--with no home directly behind you. All of this, plus the perks that come with living in Cross Creek: a resort-style pool, separate lap pool, splash pad, clubhouse, fitness center, pickleball and sports courts, playgrounds, and boat and RV parking. Conveniently located in Green Cove Springs with quick access to Fleming Island, shopping, dining, Clay County schools, and NAS Jacksonville.
What to check on this one
- Verify CDD bond payoff amount and annual assessment beyond $8/mo HOA.
- Confirm roof age/warranty—home is 2023, but verify shingles coverage remains.
- Get elevation certificate for pond-front lot; check FEMA flood zone officially.
- Request 4-point inspection (standard for underwriting; newer home may pass easily).
- Inspect patio/grading for drainage toward house; pond proximity = moisture risk.
- Confirm utilities: well, septic, or municipal? Pond-front = potential constraints.
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
Loan $312,000 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 EXIT INSPIRED REAL ESTATE. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 2:23 PM.
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