85 days on market (MLS)Single Family Residence*MOVE IN READY - BRAND NEW HOME▼ Price cut: $10,000 (9/25)Open house Sun, Oct 4, 12 PM–5 PM
$419,980
4-Bedroom Home in Russell Retreat
2458 Morganza Way, Green Cove Springs, FL 32043
Single Family Residence in Russell Retreat, Green Cove Springs · No CDD on record · Built 2026
Russell Retreat · Green Cove Springs, FL 32043 · Clay County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
3,223Sq Ft
2026Year Built
$130Per Sq Ft
2-car garageNew constructionNo CDD on recordFEMA Zone X4 bedrooms
Open house
Sun, Oct 4, 12 PM–5 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
14% below
$/sq ft vs community
$130 here vs $151 median sold (12 mo)
Buyer leverage
Seller-leaning
85 days on market
1.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $420k is at or below all 12 recent closed sales
As of October 3, 2026, 2458 MORGANZA Way in Russell Retreat, Green Cove Springs is listed at $419,980 (3,223 sq ft, about $130 per sq ft). That sits within a few percent of Russell Retreat's median closed sale of $467,240 over the last 12 months (22 recorded sales). Per square foot it is below the community's recent $151/sq ft by about 14%. It has been 85 days on market, longer than the community's typical 55 days to contract. Listing facts: new construction, HOA dues of $160/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
3,223 sq ft of living area
2-car garage
Listed at $419,980 — recent neighborhood median sale price ~$467,240 (nearby sales; deemed reliable, not an appraisal)
85 days on market
HOA $160/mo (per listing)
School district: Lake Asbury Jr High County St. Johns County Northeast Florida Schools St. Johns County SchoolsCommunity built 2025–2026Blue Rhino Propane Exchange · 9 min driveThe Turmeric Kitchen · 10 min driveCamp Chowenwaw Park · 11 min drive
Listing description
About this home
* No CDD fees. With limited homesites near A+ schools, now is the time to buy! Welcome to the spacious 4 bed, 3 bath Barbados II at Russell Retreat offering over 3,200 sq ft of elevated living.
This thoughtful Lennar floor plan features an open-concept layout with a large loft, 9' ceilings, 8' interior doors, and wood-inspired LVP flooring. The gourmet kitchen shines with quartz countertops, a long prep island, 42'' staggered cabinets, a double oven, and designer finishes from Lennar's Royal Collection of features. Enjoy premium carpet in bedrooms, spa-inspired baths with floor-to-ceiling tile, and European-height vanities.
Relax on your screened-in paved lanai with full irrigation, gutters, and a large private backyard. Every detail is included, window blinds, sprinkler system, energy-efficient features, and high-speed internet via HOA. (Conditions may apply)
All 24 photos
Description provided by LENNAR REALTY INC and reproduced from the MLS; not independently verified.
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$419,980
Bed / bath4 / 3
Living area3,223 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #2154742
Listing status85 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
CountyClay
Area listings3 active · 6 under contract
Estimated first-year tax~$4,116/yr
CDD assessmentNone on record
HOA$160/mo
Calculated estimates
Price per sq ft$130
Estimated monthly payment$2,912
Insurance (illustrative)$1k–$2k/yr
Messtimate range$460,889 – $477,004
Comparable-sales median$467,240
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
Financing
Estimated monthly payment
$2,912/mo
Principal & interest $2,299/mo79%
Taxes $343/mo12%
Insurance $110/mo4%
HOA $160/mo5%
$2,912/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
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.)
~$4,116/yr
Estimate: a typical Clay effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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
$160/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~26 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Russell Retreat
Pricing & the Russell Retreat market
How this home is priced against recent nearby sales, and where Russell Retreat 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.
Property timeline
This home’s history
2026BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 85 cumulative days on market as of October 3, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $449,980
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $419,980Momentum Realty · on market 85 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Russell Retreat in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$476,480
2448 MORGANZA Way, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $148/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Aug 2026
$459,980
2468 MORGANZA Way, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $143/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold May 2026
$459,980
2349 RIVER PARK Trace, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $143/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Aug 2026
$469,980
2357 RIVER PARK, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $146/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Jul 2026
$480,000
2467 MORGANZA Way, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $149/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Sep 2026
$469,980
2455 MORGANZA Way, Green Cove Springs
4 / 3 bd/ba · 3,223 sq ft · $146/sq ft
Courtesy of LENNAR REALTY INC · View details →
Median of these 6 sales: $467,240 ($151/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$460,889the mess$477,004
Stronger local evidence — 6 comparable closed sales in Russell Retreat, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $419,980 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $160/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 85 days on market vs. a 56-day community median
10 active listings competing, 1 under contract
≈1.6 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $419,980 ($130/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 3,223 sq ft × $143–$148/sq ft (interquartile band of 6 comparable closed sales in Russell Retreat, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
77/100
Strongest on: Flood safety (95), Price vs area (85)
0 limited50100 exceptional
77/100 is strong 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 area85
This home $130/sq ft vs the community 12-month median $151/sq ft.
Affordability67
List price $419,980 vs the community median $467,240. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity68
Community median 56 days on market, ~1.6 months of supply (12-month record).
Pricing power67
Recent sales closed at about 94.6% of original asking (~5.4% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.6 months of supply in the surrounding market and 85 days on market for this home, against a 56-day area median.Days on market:this home 85Area median: 56 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 10, 2026.
🟡 Asking $130 per square foot, about 14% below the community’s $151 median. Russell Retreat’s 12-month median sold price per square foot is $151. Confidence: High · 22 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Russell Retreat sales closed near 94.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Russell Retreat, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LENNAR REALTY INC · MLS # 2154742
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Keep looking
Similar homes for sale near Russell Retreat
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
JWB secures funding for 108 affordable housing units in Jacksonville
Jacksonville Today reported that JWB Real Estate Capital secured about $28.59 million in gap funding for 108 income-restricted units across three Westside sites on Tracy, Justina and Ricker roads. Plans include 38 townhome-style units and two sets of 35 efficiency units, priced at or below 60% of area median income for 50 years. Groundbreaking is expected by September 2026 with completion in 2027.
Why it matters: Adds new income-restricted rental and townhome housing supply on the Westside, increasing the stock of long-term affordable units and drawing public and tax-credit investment into three infill sites. The site is about 4 miles northwest of Russell Retreat.
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 10 miles west of Russell Retreat.
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 project is about 12 miles south of Russell Retreat, elsewhere in Clay County.
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 11 miles south of Russell Retreat.
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.
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.
GRADEA
Shadowlawn ElementaryPublic K-5, verify zoning · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lake Asbury Junior HighPublic 9-12, verify zoning · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEB
Clay High SchoolPublic 9-12, verify zoning · Clay County School District · Grade B (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Blue Rhino Propane Exchange 9 min
Dining
The Turmeric Kitchen 10 min
Shopping
Meant For Me Gifts 17 min
Parks
Camp Chowenwaw Park 11 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2458 MORGANZA Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $160/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 3,223 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,116/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 3, 2026)
Comparable sales
realMLS closed sales in Russell Retreat, last 18 months, as of August 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
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
How big is 2458 MORGANZA Way and when was it built?
Per the listing record, 2458 MORGANZA Way was built in 2026 and has 3,223 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2458 MORGANZA Way in?
2458 MORGANZA Way is in Russell Retreat in Green Cove Springs, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2458 MORGANZA Way have an HOA, and how much are the dues?
The listing reports HOA dues of $160 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2458 MORGANZA Way differ from the current owner's?
The estimate on this page (about $4,116 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2458 MORGANZA Way in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 2458 MORGANZA Way 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
