116 days on marketSingle Family Residence▼ Price cut: $13,100 (8/4)
$344,900
4-Bedroom Home in Cross Creek
2224 WILLOW GLN Lane, Green Cove Springs, FL 32043
Single Family Residence in Cross Creek, Green Cove Springs · No CDD · Built 2023
Cross Creek · Green Cove Springs, FL 32043 · Clay
Listing data updated August 10, 2026 · refreshed twice daily
4Bedrooms
2.5Bathrooms
2,496Sq Ft
2023Year Built
$138Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
17% below
$/sq ft vs community
$138 here vs $166 median sold (12 mo)
Buyer leverage
Strong buyer advantage
116 days on market
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $344,900 — recent neighborhood median sale price ~$375,000 (nearby sales; deemed reliable, not an appraisal)
116 days on market
HOA ~$50/mo (estimate; confirm)
School district: CDD per address County Clay County Florida Schools Clay County SchoolsCommunity built 2019–2024Blue Rhino Propane Exchange · 11 min driveMeant For Me Gifts · 11 min driveMagic Flavor · 13 min drive
Momentum Research · Cross Creek
Pricing & the Cross Creek market
How this home is priced against recent nearby sales, and where Cross Creek has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Cross Creek
Each dot is a closed sale since 2001 (110 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2025. This home lists at $138/sq ft.
Median sale price by year
12-month median closed price, 2014–2025.
Property timeline
This home’s history
2023BuiltPer public record
Jul 2, 2026First trackedObserved at $358,000
Aug 4, 2026Price cut$344,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,177/mo
Principal & interest $1,748/mo80%
Taxes $282/mo13%
Insurance $98/mo4%
HOA $50/mo2%
$2,177/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,425/yr ($369/mo)
+$25 more each year
(+1%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Flood safety (95), Price vs area (92)
0 limited50100 exceptional
66/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area92
This home $138/sq ft vs the community 12-month median $166/sq ft.
Affordability63
List price $344,900 vs the community median $375,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity39
Community inventory, ~6.9 months of supply (12-month record).
Renovation upside30
From a 2023 build and $138/sq ft vs the community median $166/sq ft. Not a condition assessment.
Buyer competition62
38% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.9 months of supply in the surrounding market and 116 days on market for this home, against a 84-day area median.Days on market:this home 116Area median: 84 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $138 per square foot, about 17% below the community’s $166 median. Cross Creek’s 12-month median sold price per square foot is $166. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
69% of homes in Cross Creek are owner-occupied. An estimated 31% are non-owner-occupied, including 1% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 313 homes matched. Community-level context.
What’s unique here: one of only 30 active listings in Cross Creek, no CDD assessment.
Updated August 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
HUGE PRICE ADJUSTMENT!! BUYERS CASH INCENTIVE A Military Relocation creates the perfect chance for you to own this stunning 2-story home before it's gone! 4 Spacious Bedrooms, 3 Full Bathrooms, Huge fenced backyard w/ an oversized paver patio ideal for BBQs, kids, pets & unforgettable gatherings, The backyard is truly a dream -- perfect for entertaining or simply relaxing after a long day.
Gorgeous white cabinetry & sleek stainless steel appliances, Bright open-concept layout w/ abundant natural light throughout from the moment you walk in, you'll love the inviting spaces, modern finishes, and room for everyone to spread out and feel at home. This home is move-in ready with thoughtful upgrades throughout, Custom upgrades throughout this beautifully maintained home! Featuring professionally crafted wooden pantry shelving for elevated organization & stylish wood barn doors that add warmth and character to the office/flex room.
shiplap on the island, all appliances stay including New dishwasher. Homes w/ this much space, style, and charm don't last long! Schedule your showing today and see why this one feels like home the second you step inside.
Cross Creek amenities include a kid-friendly pool, splash pad and an addl't lap/competition pool, pickle ball courts, fitness center, clubhouse, playground and on-site RV/Boat parking for rent.
Description provided by FLORIDA HOMES REALTY & MTG LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$344,900
Bed / bath4 / 2.5
Living area2,496 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #2140246
Listing status116 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
Windstorm exposureLow
CountyClay
Area listings30 active · 6 under contract
Estimated first-year tax~$3,380/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$138
Estimated monthly payment$2,177
Insurance (illustrative)$1k–$2k/yr
Messtimate range$409,344 – $441,792
Comparable-sales median$375,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$409,344the mess$441,792
Actual list price: $344,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 8% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
31 active listings competing, 7 under contract
≈6.9 months of supply
51 closed here in the last 12 months
For reference, this home is listed at $344,900 ($138/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,496 sq ft × $164–$177/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 10, 2026.
Keep looking
Similar homes for sale near Cross Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $344,900Momentum Realty · on market 116 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,380/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~24 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Cross Creek
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Cross Creek neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$375,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$166
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Cross Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Builder
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The site is less than a mile south of Cross Creek.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 4 miles east of Cross Creek.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Blue Rhino Propane Exchange 11 min
Dining
Magic Flavor 13 min
Shopping
Meant For Me Gifts 11 min
Parks
Vera Francis Hall Park 16 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Lake Asbury Elementary SchoolPublic Elementary (Clay County) · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Lake Asbury Junior High SchoolPublic Junior High · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEB
Clay High SchoolPublic High 9-12 · Clay County School District · Grade B (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$390,000
2543 COLD STREAM Lane, Green Cove Springs
4 / 3 bd/ba · 2,382 sq ft · $164/sq ft
Courtesy of WHOLESALE REALTY LLC · View details →
Sold Jul 2026
$419,900
2930 OAK STREAM Drive, Green Cove Springs
4 / 3 bd/ba · 2,367 sq ft · $177/sq ft
Courtesy of MOMENTUM REALTY · View details →
Sold Jun 2026
$336,500
2342 EVENING OAKS Lane, Green Cove Springs
4 / 2.5 bd/ba · 2,207 sq ft · $152/sq ft
Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · View details →
Sold Jul 2026
$359,000
2660 OAK STREAM Drive, Green Cove Springs
4 / 2.5 bd/ba · 2,181 sq ft · $165/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Jul 2026
$360,000
2266 FALLING STAR Lane, Green Cove Springs
4 / 2 bd/ba · 2,144 sq ft · $168/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jul 2026
$390,000
2877 WILD PINE Lane, Green Cove Springs
4 / 3 bd/ba · 2,042 sq ft · $191/sq ft
Courtesy of RE/MAX UNLIMITED · View details →
Community 12-month median: $166/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,581 – $2,299/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$645 – +$1At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 10, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 2224 WILLOW GLN Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
