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Pending

Pending·421 days on market

3030 Bella Collina Way

Green Cove Springs, FL 32043

$387,500$155/sqftEst. $1,998/moMLS# 2093596

Beds

Baths

2,494

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

LOT 107 -The Pinnacle Bungalow is a one story home great for entertaining with an open layout. 42'' cabinets, Quartz countertops, upgraded flooring throughout. Owner's bath features a large semi-frameless glass enclosure with oversized shower and bench seat and double-sink raised vanity. Wetlands/ treed view from covered rear lanai. LAKES AT BELLA LAGO is beautifully intertwined w/nature. Bella Lago's namesake ''beautiful lake'' lends mirror-like water views to the scenery w/plenty of open spaces to explore. Enjoy an old FL feel w/modern amenities including a pool, resort-style cabana, & playground within Lakes at Bella Lago, conveniently located to all that Northeast FL has to offer. Experience the openness, airiness & flow we design into our homes & picture living roomier...brighter...better.

Cost to own

Mortgage calculator

Home Price

$387,500

Down Payment: 20%

$77,500

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,998

Principal & Interest: $1,998

Property taxes (est.): $594

Insurance (est.): $258

Estimated Total Monthly

$2,850

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,998

Property taxesest. at asking price, Clay County$594

HOAbilled annually$5

Estimated total, before insurance$2,598/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$526/yr · $44/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).

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: ~$7,100/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 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 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.