Pending·247 days on market
3254 Lago Vista Drive
Green Cove Springs, FL 32043
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Green Cove Springs
LOT 100 - The Hawkin 1-story home features an open layout with a Great Room for entertaining! Thoughtfully appointed, professionally designed, including 42'' style kitchen cabinets, upgraded flooring, Quartz kitchen and bathroom countertops, single bowl stainless undermount kitchen sink and covered lanai. Lakes at Bella Lago combines Old Florida natural marshes and wetlands with modern amenities including a resort-style pool, spacious cabana, children's playground and an exquisite lake. Experience the openness, airiness and flow we design into our homes and picture living roomier...brighter...better.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2025)
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 homeThis 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $60,000 | $38,500 | — |
| 2024 | $35,000 | $35,000 | ▲ $15,000 |
2024 property taxes (current owner): $526/yr
Estimated taxes if purchased at asking price: ~$7,900/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 $178/sq ft; this home is listed at $166/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3070 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $362,900 | $161 | 3/2.5 | 2,252 | 362 | 0.2 |
| 3042 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $405,000 | $178 | 3/2.5 | 2,273 | 138 | 0.2 |
| 3076 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $404,000 | $161 | 4/3 | 2,515 | 362 | 0.2 |
| 3013 Bella Collina Way, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $329,990 | $179 | 4/3 | 1,842 | 319 | 0.2 |
| 3582 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Oct 2026 | $356,990 | $163 | 4/3 | 2,193 | 16 | 0.3 |
| 3590 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $340,990 | $185 | 4/3 | 1,842 | 78 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
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.
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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