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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$485,000

2714 COLD STREAM Lane, Green Cove Springs, FL 32043, Green Cove Springs, FL 32043

Cross Creek

Price
$485,000
Beds / Baths
5 / 4
Living area
2,888 sqft
Year built
2021
Type
Residential
Lot
0.24 ac
Garage
3
HOA
$9/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
14

$168/sqft asking, vs a $179/sqft median across 1,751 closed sales in 32043 over the last 12 months — 6% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to this beautifully maintained two-story home offering 5 bedrooms, 4 bathrooms, 2,888 square feet, and a 3-car garage with a desirable open floor plan and peaceful pond views. A spacious foyer welcomes you through the front door and leads into the main living spaces, where vaulted ceilings and abundant natural light create an inviting sense of openness. The kitchen features a large island and flows seamlessly into the living and dining areas, making the space ideal for both everyday living and entertaining. Updated lighting throughout includes elegant chandeliers that add a stylish touch. The first-floor primary suite offers a private retreat with bay windows overlooking the backyard and pond, a tray ceiling with remote-controlled ceiling fan, and separate his-and-her walk-in closets. The primary bath has been updated with a beautiful walk-in shower. Three additional bedrooms are conveniently located on the first floor, all featuring ceiling fans with remote controls. Upstairs, the spacious fifth bedroom offers exceptional flexibility and privacy, making it ideal as an in-law suite or guest retreat. This versatile space features its own private bathroom and closet, beautiful pond views, and plenty of natural light. The backyard is designed for enjoying the Florida lifestyle, featuring an extended paver patio, extended roofline providing additional covered outdoor space, and a custom-built gazebo overlooking the peaceful pond. Two sides of the backyard are privacy fenced, providing added separation while maintaining the beautiful pond views. Sliding glass doors open from the main living area to the covered and screened lanai, complete with a ceiling fan and recently added shades/blinds. Thoughtful upgrades completed within the past year include newly installed laundry room cabinetry, an updated primary bath with a walk-in shower, and shades/blinds added to the lanai. Additional new shelving has been added in the primary closet, pantry, and laundry linen closet. Five chandeliers throughout the home add an elevated touch, while the home's thoughtful layout provides plenty of space and flexibility. Beyond the home, enjoy a wonderful sense of community where neighbors are friendly, welcoming, and genuinely connected. Regular community events and activities create a neighborhood atmosphere that makes this a special place to call home. After five years of creating wonderful memories here, the sellers are ready for their next chapter and hope the next owners will love the home and community just as much.

What to check on this one

  • Confirm exact flood zone designation and elevation certificate requirement with Clay County.
  • Obtain CDD bond payoff amount and remaining assessment schedule.
  • Review roof warranty and confirm 2021 installation date with builder documentation.
  • Verify in-law suite deed restriction compliance and rental eligibility under Clay County zoning.
  • Request HOA/CDD estoppel letter and confirm $9/mo covers all fees.

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$2,517/mo
Property tax (1.1% eff., Clay Co.)$445/mo
Homeowners insurance (est.)$292/mo
HOA$9/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,430/mo

Loan $388,000 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 COMPASS FLORIDA LLC. Data via realMLS (Northeast Florida MLS), updated Aug 18, 2026, 9:35 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.