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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Aug 8, 2025·361 days on market

3225 Willowleaf Lane

Green Cove Springs, FL 32043

$475,000sold priceListed at $539,990 · 88% of asking$169/sqftMLS# 2035693
6
Beds
4
Baths
2,807
Sq Ft
2024
Built
2
Garage
No
Pool
HOA $13/mo11,761 sqft lotSingle Family Residence2 storiesNew construction

About this home

Green Cove Springs

Discover the Fleming Bonus D by Dream Finders Homes! 🏡 6 Bedrooms | 4 Baths | 2 Car Garage | 2,807 Sq. Ft. Step into luxury with the single-level Fleming Bonus D, where comfort meets elegance. This spacious 2,807 square foot home offers everything you need for modern living and more: 6 Generous Bedrooms: Plenty of space for family, guests, or a home office. 4 Full Baths: No more morning rushes! Bonus Bedroom and Full Bath: Perfect for visitors or a private suite. Gourmet Kitchen: Cook like a chef with top-of-the-line appliances and ample counter space. Great Room with Tray Ceiling: A sophisticated touch for your central gathering space. Preserve Home Site: Enjoy the tranquility and beauty of nature right at your doorstep. 2-Car Garage: Convenient and secure parking for your vehicles. Experience the perfect blend of luxury and practicality in the Fleming Bonus D by Dream Finders Homes. This is not just a house; it's the home you've been dreaming of!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,631
Property taxesest. at asking price, Clay County$728
HOAbilled annually$13
Estimated total, before insurance$3,371/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Property taxes (est.): $728
Insurance (est.): $317
Estimated Total Monthly
$3,676
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

Last sold: $418,400 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$410,975$410,975—
2024$65,000$65,000—

2023 property taxes (current owner): $364/yr

Estimated taxes if purchased at asking price: ~$8,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $194/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3457 Americana Drive, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$454,970$1545/3.52,961550.1
3581 Zydeco Loop, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$500,000$2014/32,4931900.1
3208 Saffron Court, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$429,990$1944/22,213150.2
3322 Willowleaf Lane, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$431,990$1954/22,2131280.2
2531 Coral Lane, Green Cove Springs, FL 32043Listed by MOMENTUM REALTYSep 2026$340,000$1704/21,997310.3
3229 Crocus Lane, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATEOct 2026$395,000$1824/22,173350.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$539,990
Price / Sq Ft$192
Bedrooms6
Bathrooms4.00
Full Baths4
Square Footage2,807
Acres0.27 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address3225 Willowleaf Lane, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionHyland Trail
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size11,761.2 sq ft
Parcel Number15-05-25-009338-006-86
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Park, Playground
UtilitiesCable Available, Electricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 7, 2024
Days on Market361
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$364
Tax Year2023
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 8, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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