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Pending

Pending·370 days on market

3066 Bella Collina Way

Green Cove Springs, FL 32043

$389,000$172/sqftEst. $2,006/moMLS# 2102504

Beds

Baths

2,262

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

LOT 116 - The Country Redwood floorplan is a thoughtfully designed 2-story home offering 4 bedrooms, 3 full baths, and an open layout perfect for modern living. The gourmet kitchen features premium finishes and flows into the spacious living area and covered lanai—ideal for seamless indoor-outdoor living. A versatile upstairs loft adds extra space for relaxing or entertaining. The Owner's Suite serves as a private retreat, complete with a luxurious Shower Plus upgrade. With its charming Country Elevation, this home blends comfort, function, and timeless style. Located in LAKES AT BELLA LAGO, a nature-inspired community centered around its beautiful namesake lake, residents enjoy scenic water views, open green spaces, and an ''Old Florida'' charm. Modern amenities include a resort-style pool, cabana, and playground. Conveniently located near all that Northeast Florida has to offer, Lakes at Bella Lago delivers a lifestyle that's roomier, brighter, and better by design.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,006

Principal & Interest: $2,006

Property taxes (est.): $596

Insurance (est.): $259

Estimated Total Monthly

$2,862

*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$2,006

Property taxesest. at asking price, Clay County$596

HOAbilled annually$5

Estimated total, before insurance$2,608/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: ~$7,200/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.

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 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

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.

History

Price & status history

Jul 20, 2026Pending$389,000
Jul 18, 2026Price change$389,000−$4,000
Jul 13, 2026Price change$393,000−$5,000
Aug 6, 2025Listed$398,000

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

Features

Price$389,000

Price / Sq Ft$172

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,262

Acres0.17 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

Community Information

Address3066 Bella Collina Way, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionBella Lago

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,405.2 sq ft

Parcel Number26052501010102016

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup