Geral Garcia
$434,9003 bd2 ba1,987 sqft$219 /sqft$2,962 /mo all-in ↓

3395 MONARCH WAY, GREEN COVE SPRINGS, FL, 32043

Active12 days on marketListed Aug 6, 2026MLS #O6431547

New constructionWaterfrontSingle Family ResidenceOAKWOOD ESTATES

About this home

3395 MONARCH WAY

Great Investment Opportunity. MODEL home offering a sale/leaseback. Welcome to the Drexel model at Oakwood Estates, situated on an oversized cul-de-sac homesite in the Lake Asbury area of Green Cove Springs. Twenty-four-month leaseback at 1% of the sales price per month rental income. This premium waterfront property features peaceful views of a community pond with a water feature. The home showcases impressive curb appeal with lush professional landscaping and a full front and rear irrigation system. Step through the covered entrance into a welcoming foyer highlighted by soaring 9-foot 4-inch ceilings that create an immediate sense of openness. At the heart of the home, the spacious great room is enhanced with LED flush-mount lighting and flows effortlessly into the beautifully appointed kitchen. Granite countertops, upgraded soft-close cabinetry, a decorative kitchen backsplash, a large center island, a generous pantry, and a full line of stainless steel appliances including an eSTAR® side-by-side refrigerator combine style with everyday functionality. An adjoining dining area provides a bright spot for morning coffee, while a flexible bonus room creates endless possibilities as a home office, hobby room, or reading retreat. Sliding glass doors extend the living space to the screened lanai, framing the scenic water backdrop. Privately situated, the primary owner's suite features an expansive walk-in closet and a deluxe bath with dual granite vanities, upgraded soft-close cabinetry, and a spacious tiled shower with a built-in bench. Two secondary bedrooms sit adjacent to a second full bath featuring a tiled tub and shower combination. Luxury vinyl flooring extends continuously throughout the home. A centrally located laundry room with an installed washer and dryer sits just off the two-car garage. Integrated smart home technology includes a Ring video doorbell, a smart thermostat, keyless entry, speakers & tv wall mount in the Great Room and Deako smart switches throughout. Energy-efficient construction highlights include insulated, low-emissive windows and architectural shingles, all backed by a full builder warranty. Beyond the home, the neighborhood provides pavilions, a playground, benches, and green spaces, alongside rapid commuting via the First Coast Expressway and premier boating and fishing on nearby Black Creek. Experience the craftsmanship, modern finishes, and thoughtful design of this exceptional Drexel Model Home. Schedule your private tour today. We can’t wait to welcome you home!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,987

Sqft

0.21 ac

Lot size

2

Garage

2026

Year built

One

Levels

$219

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorHigh Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionHardiPlank Type · Vinyl Siding · Wood Frame
FoundationSlab
ViewWater
FacesNortheast
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$49/mo
Taxes (2026)$0/yr
PetsYes
CommunityPlayground

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$2,962 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,560
FHA mortgage insurance (est.)$192
Property tax — 2026 actual bill$0
HOA fee — from the listing$49
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,222Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,222
Interest rate6.00%
Loan term

Estimated payment

$3,360/mo

Principal & interest$2,560
FHA mortgage insurance (est.)$192
Est. property taxes$399
HOA / condo fee$49
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $435K
$372KedgeAI estimate $438,920 · range $387K$487K$507K

vs edgeAI estimate

−0.9%

Days on market

12 vs 18 typical

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Green Cove Springs

Map of 3395 MONARCH WAY

Get to know Green Cove Springs. See the full Green Cove Springs guide →

GREEN COVE SPRINGS 32043 — neighborhood snapshot

Population

33,592

Median age

41

Median income

$80,698

Median home value

$292,300

Avg household

2.68

Households w/ children

4,233

For the school run

Clay County School District

HighClay High School★★★★
MiddleGreen Cove Springs Junior High School★★★★
ElementaryCharles E. Bennett Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Green Cove Springs market

Seller’s marketSeller’s market2.0 months of inventoryBuyer’s market

$432K$417K

Green Cove Springs median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

Median sold price, Green Cove Springs, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 15% above the GREEN COVE SPRINGS 32043 median. See the full Green Cove Springs market guide →

Paper trail

This home's history

Aug 6, 2026Listed at $434,900 · 12 days on market since
2026Built · OAKWOOD ESTATES

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Geral Garcia

Your agent

Geral Garcia

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3395 MONARCH WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3395 MONARCH WAY — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Geral's phone and CRM.

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Goes straight to Geral’s phone and CRM.

Straight answers

3395 MONARCH WAY FAQs

What would the monthly payment be for 3395 MONARCH WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,962/mo — principal and interest, estimated property taxes, the $49/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 3395 MONARCH WAY?+

The association fee works out to $49 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3395 MONARCH WAY?+

The most recent tax bill on record (2026) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3395 MONARCH WAY?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Green Cove Springs?+

At $434,900, this home is listed about 14% above the Green Cove Springs median of $382,240. The market section on this page shows how the area is trending.

Which schools are assigned to 3395 MONARCH WAY?+

Clay High School (high), Green Cove Springs Junior High School (middle), Charles E. Bennett Elementary School (elementary) — Clay County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$434,900 runs 15% above the GREEN COVE SPRINGS 32043 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Clay High School, Green Cove Springs Junior High School, Charles E. Bennett Elementary School — Clay High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of NEW HOME STAR FLORIDA LLC · Bridgette Hoyt. MLS #O6431547.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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