25 days on marketSingle Family Residence▼ Price cut: $35,000 (9/10)
$450,000
5-Bedroom Home in Cross Creek
2714 COLD STREAM Lane, Green Cove Springs, FL 32043
Single Family Residence in Cross Creek, Green Cove Springs · No CDD · Built 2021
Cross Creek · Green Cove Springs, FL 32043 · Clay
Listing data updated September 12, 2026 · refreshed twice daily
5Bedrooms
4Bathrooms
2,888Sq Ft
2021Year Built
$156Per Sq Ft
3-car garageNo CDDFEMA Zone X5 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.
7% below
$/sq ft vs community
$156 here vs $168 median sold (12 mo)
Buyer leverage
Seller-leaning
25 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~65 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 2714 COLD STREAM Lane in Cross Creek, Green Cove Springs is listed at $450,000 (2,888 sq ft, about $156 per sq ft). It has been 25 days on market. Listing facts: built in 2021, HOA dues of $9/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
Built 2021 · 5 yrs
2,888 sq ft of living area
3-car garage
Listed at $450,000 — recent neighborhood median sale price ~$360,000 (nearby sales; deemed reliable, not an appraisal)
25 days on market
HOA $9/mo (per listing)
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 $156/sq ft.
Median sale price by year
12-month median closed price, 2014–2025.
Property timeline
This home’s history
2021BuiltPer public record
Aug 19, 2026First trackedObserved at $485,000
Sep 10, 2026Price cut$450,000
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
$2,848/mo
Principal & interest $2,337/mo82%
Taxes $368/mo13%
Insurance $134/mo5%
HOA $9/mo0%
$2,848/mo at 20% down, 30-yr @ 6.76% · 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 $6,025/yr ($502/mo)
+$0 more each year
(+0%)
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.
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
54/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
54/100 is below average 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 area68
This home $156/sq ft vs the community 12-month median $168/sq ft.
Affordability8
List price $450,000 vs the community median $360,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~65 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2021 build. Obtain a property-specific quote.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).
Renovation upside30
From a 2021 build and $156/sq ft vs the community median $168/sq ft. Not a condition assessment.
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
🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 25 days on market for this home, against a 64-day area median.Days on market:this home 25Area median: 64 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 September 10, 2026.
🟡 Asking $156 per square foot, about 7% below the community’s $168 median. Cross Creek’s 12-month median sold price per square foot is $168. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 26 active listings in Cross Creek, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
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.
Description provided by COMPASS FLORIDA 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$450,000
Bed / bath5 / 4
Living area2,888 sq ft
Year built2021
Property typeSingle Family Residence
Garage3-car
MLS #2160697
Listing status25 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~65 ft
Windstorm exposureLow
CountyClay
Area listings26 active · 12 under contract
Estimated first-year tax~$4,410/yr
CDD assessmentNone on record
HOA (per listing)$9/mo
Calculated estimates
Price per sq ft$156
Estimated monthly payment$2,848
Insurance (illustrative)$1k–$2k/yr
Messtimate range$476,520 – $511,176
Comparable-sales median$360,000
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.
$476,520the mess$511,176
Actual list price: $450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% 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 — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $9/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:
29 active listings competing, 10 under contract
≈6.0 months of supply
51 closed here in the last 12 months
For reference, this home is listed at $450,000 ($156/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: 2,888 sq ft × $165–$177/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 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 $450,000Momentum Realty · on market 25 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.)
~$4,410/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
$9/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
~65 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.
Seen enough photos?
Want to see 2714 COLD STREAM Lane?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by COMPASS FLORIDA LLC · MLS # 2160697
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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
5
Recent nearby closings in the data set.
Community median sale price
$360,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$168
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.
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 project is about 14 miles north of Cross Creek Green Cove Springs, elsewhere in Duval County.
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
Why it matters: Anchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 21 miles north of Cross Creek Green Cove Springs, elsewhere in Duval County.
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 project is about 13 miles northwest of Cross Creek Green Cove Springs, elsewhere in Duval County.
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 Green Cove Springs.
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 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 Aug 2026
$345,000
2358 EVENING OAKS Lane, Green Cove Springs
4 / 2.5 bd/ba · 2,207 sq ft · $156/sq ft
Courtesy of KELLER WILLIAMS ST JOHNS · 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: $168/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$2,062 – $3,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$846 – −$2At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2714 COLD STREAM Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $9/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 2,888 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 $4,410/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 12, 2026)
Community market stats
realMLS closed sales, as of September 10, 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
How big is 2714 COLD STREAM Lane and when was it built?
Per the listing record, 2714 COLD STREAM Lane was built in 2021 and has 2,888 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2714 COLD STREAM Lane in?
2714 COLD STREAM Lane is in Cross Creek in Green Cove Springs, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Cross Creek from the same MLS data.
Does 2714 COLD STREAM Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $9 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 2714 COLD STREAM Lane differ from the current owner's?
The estimate on this page (about $4,410 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 2714 COLD STREAM Lane 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 2714 COLD STREAM 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.
