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Pending

Pending·722 days on market

3266 Willowleaf Lane

Green Cove Springs, FL 32043

$397,790$176/sqftEst. $2,028/moMLS# 2040564

Beds

Baths

2,266

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

This new construction Tilden home showcases our Coastal Elevation and features 5 bedrooms, 3 bathrooms, an expansive gathering room in the heart of the home, 2-car garage, and plenty of storage throughout. Entertain friends and family in this open-concept home design features a stunning Kitchen with Whirlpool Appliances, Flagstone Cabinets accented with a beautiful White Flow Tile Backsplash, Quartz Countertops, and large kitchen Island that all opens to your spacious Gathering Room. The second-floor features three secondary bedrooms and a spacious Loft perfect for hosting friends. The Owner's Suite features a large Walk-In Closet, Dual-Vanity Sink with Soft Close Cabinets, Quartz Countertops, Linen Closet, and Walk-In Shower. This home also includes a Smart Home packing featuring a Ring Doorbell and Honeywell Thermostat.

Cost to own

Mortgage calculator

Home Price

$397,790

Down Payment: 20%

$79,558

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,028

Principal & Interest: $2,028

Property taxes (est.): $610

Insurance (est.): $265

Estimated Total Monthly

$2,903

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,028

Property taxesest. at asking price, Clay County$610

HOAbilled monthly$13

Estimated total, before insurance$2,650/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.

Cost to own

Taxes & assessment

Last sold: $10,729,500 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$353,044	$353,044	—
2024	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$7,300/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.

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.

Solar potential: ~1,752 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.