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This home is in Rolling Hills, Green Cove Springs.

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Active·48 days on market·Rolling Hills

3106 Lowgap Place

Green Cove Springs, FL 32043

$295,000$210/sqftEst. $1,621/mo mortgageMLS# 2083551
3
Beds
2
Baths
1,404
Sq Ft
2023
Built
2
Garage
No
Pool

25 more homes for sale in Rolling Hills →Search Rolling Hills on the map

FEMA Zone XHOA $10/mo10,454 sqft lotSingle Family Residence1 story

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About this home

Rolling Hills

Welcome to your dream home! This beautiful 3 bedroom, 2 bathroom house is nestled at the end of a quiet cul-de-dac, providing tranquility and privacy. The expansive backyard is larger than most in the neighborhood, ideal for outdoor activities or adding a pool. Inside, enjoy spacious bedrooms and inviting living areas. The master suite is a peaceful retreat with a walk-in closet and ensuite bath. The home comes with all kitchen appliances, plus a washer and dryer. A must see!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,621
Property taxesest. at asking price, Clay County$452
HOAbilled annually$10
Estimated total, before insurance$2,083/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,756/yr · $313/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$295,000
$59,000
Loan Term
Monthly Payment
$1,621
Principal & Interest: $1,621
Property taxes (est.): $452
Insurance (est.): $197
Estimated Total Monthly
$2,270
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

As of July 2026, 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $360,000 in March 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$255,233$255,233—
2024$250,169$250,169—
2023$18,000$18,000—
2022$18,000$18,000—

2024 property taxes (current owner): $3,756/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

History

Price & status history

  • Apr 30, 2026Listed$295,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $217/sq ft; this home is listed at $210/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3114 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCOct 2026$337,900$2203/21,5361200.1
3145 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCJul 2026$333,900$2173/21,5361630.1
3118 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCJul 2026$299,900$2403/21,2472580.1
3131 Cottage Hill Place, Green Cove Springs, FL 32068Listed by LGI REALTY - FLORIDA, LLCJul 2026$329,900$2153/21,53600.1
3334 Meadow Ridge Place, Green Cove Springs, FL 32043Listed by ADAMS HOMES REALTY INCOct 2026$315,000$1844/21,7111340.4
2244 Gardenmoss Drive, Green Cove Springs, FL 32043Listed by MARK SPAIN REAL ESTATESep 2026$307,500$1713/21,797350.4

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$295,000
Price / Sq Ft$210
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,404
Acres0.24 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryLake Asbury, reported on 138 other Rolling Hills listings
MiddleLake Asbury, reported on 139 other Rolling Hills listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address3106 Lowgap Place, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionRolling Hills
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size10,454.4 sq ft
Parcel Number27052501010901715

Amenities

AmenitiesPool, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio
FencingFull, Vinyl
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedSeptember 4, 2026
Days on Market456
HOA Fees$120 / Annually
HOA FrequencyAnnually
Tax Amount$3,756.12
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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.

The neighborhood

About Rolling Hills

Rolling Hills is a neighborhood in Southern St. Johns County, FL (Clay County), ZIP 32043.

View all Rolling Hills homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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