3520 OGLEBAY DRIVE, GREEN COVE SPRINGS, FL, 32043
Active287 days on marketListed Oct 21, 2025MLS #FC313556
About this home
3520 OGLEBAY DRIVE
**WATERFRONT**GOLF COMMUNITY**UPDATED** Welcome to this HUGE 2 story home, perfectly situated in the GATED GOLF COMMUNITY of Magnolia Point! This SPACIOUS, well cared for residence offers 4 bedrooms and 3 bathrooms, ideal for comfortable living. The downstairs features NEWER FLOORS, two living/sitting rooms, and a convenient bedroom and full bath. Upstairs, you'll find three more bedrooms, including the MASSIVE MASTER SUITE complete with a huge walk-in closet. Step outside to a backyard overlooking a beautiful lake, providing serene views that can be enjoyed from the SCREENED LANAI. A beautiful magnolia tree in the front yard offers shade. Plus, enjoy RESORT STYLE AMENITIES! This home is located near a second and more private gate, and the community is right off of 17, making commuting a breeze. It is also perfectly situated between Orange Park, Fleming Island, and just a short, easy drive to Jacksonville and St Augustine. Don't miss this incredible opportunity!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,079
Sqft
0.22 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$146
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,577 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,577/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
$/sqft vs Green Cove Springs actives
$146 vs $173
Days on market
287 vs 19 typical
Where $146/sqft sits among the 26 Green Cove Springs actives
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 Magnolia Point Golf And Country Club
Get to know Green Cove Springs. See the full Green Cove Springs guide →
Magnolia Point Golf And Country Club — neighborhood snapshot
Population
3,574
Median age
39
Median income
$109,848
Median home value
$415,000
Avg household
3
Households w/ children
580
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Green Cove Springs market
$432K → $417K
Green Cove Springs median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
18 of 26
Green Cove Springs actives have cut their price
Median sold price, Green Cove Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the GREEN COVE SPRINGS 32043 median. See the full Green Cove Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 3520 OGLEBAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$412,000
3151 LAWTON PLACE
5 bd · 3 ba · 2,501 sqft · $165/sqft · 134 DOM
Sold · Oct ’25$485,000
3118 JEREMYS DRIVE
4 bd · 3 ba · 2,434 sqft · $199/sqft · 123 DOM
Sold · Dec ’25$499,900
3126 JEREMYS DRIVE
4 bd · 3 ba · 2,286 sqft · $219/sqft · 34 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3520 OGLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3520 OGLEBAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3520 OGLEBAY DRIVE FAQs
What would the monthly payment be for 3520 OGLEBAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,577/mo — principal and interest, the actual property-tax bill, the $153/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 3520 OGLEBAY DRIVE?+
The association fee works out to $153 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3520 OGLEBAY DRIVE?+
The most recent tax bill on record (2024) was $4,987. 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 3520 OGLEBAY DRIVE?+
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 $450,000, this home is listed about 18% above the Green Cove Springs median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 3520 OGLEBAY DRIVE?+
Clay High School (high), Green Cove Springs Junior High School (middle), Robert M. Paterson Elementary (elementary) — Clay County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$450,000 runs 19% above the GREEN COVE SPRINGS 32043 median — but at 3,079 sqft it's also 34% larger than the typical Green Cove Springs listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
287 days on market against a Green Cove Springs median of 19 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Clay High School, Green Cove Springs Junior High School, Robert M. Paterson Elementary — Clay High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $499,900, now $450,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHAD AND SANDY REAL ESTATE GRP · Chad Neumann. MLS #FC313556.
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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