Sold·Closed Sep 28, 2026·362 days on market
3070 Bella Collina Way
Green Cove Springs, FL 32043
About this home
Green Cove Springs
LOT 117 - The one-story Bungalow Gateway floorplan offers 3 bedrooms, 2.5 baths, and a 2-car garage in a thoughtfully designed layout blending comfort and style. A Stop & Drop at the owner's entry keeps daily essentials organized. The open-concept kitchen, dining area, and spacious Great Room create a bright, welcoming space for everyday living and entertaining. A dedicated Study in lieu of a Flex Room offers a quiet space for work or hobbies. The private owner's suite features a luxurious Owner's Shower Plus and a large walk-in closet, offering a peaceful retreat. Two additional bedrooms and a covered lanai complete this well-appointed home. Located in Lakes at Bella Lago, a scenic, nature-inspired community, residents enjoy beautiful lake views, open green spaces, and modern amenities like a resort-style pool, cabana, and playground. With an ''Old Florida'' feel and close proximity to all Northeast Florida offers, it's designed for 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.
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.
Solar potential: ~1,785 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 homeAs 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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: ~$6,700/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
- Oct 5, 2026Closed$374,000
- Aug 3, 2026Pending$374,000
- Jul 30, 2026Price change$374,000−$5,000
- Jul 18, 2026Price change$379,000−$5,000
- Jul 13, 2026Price change$384,000−$5,000
- Aug 6, 2025Listed$389,000
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 $178/sq ft; this home is listed at $166/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 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 |
| 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 | 0.1 |
| 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 | 0.1 |
| 3606 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $334,990 | $182 | 4/2 | 1,840 | 75 | 0.1 |
| 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 | 0.1 |
| 3594 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $352,990 | $161 | 4/3 | 2,193 | 50 | 0.1 |
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.
Keep looking
More homes in Bella Lago
For Sale3017 Bella Collina WayGreen Cove Springs, FL 32043
4 bd · 2.5 ba · 2,340 sq ft
$364,990Est. $1,943/moBrand new, energy-efficient home with a water view available by Sep 2026! Open-concept layout with a spacious kitchen…
Listing Office: meritage homes of florida realty
Pending3027 Bella Collina WayAltamonte Springs, FL 32043
4 bd · 3 ba · 2,193 sq ft
$364,990Est. $1,943/moBrand new, energy-efficient home with a water view available by Nov 2026! Open-concept 4-bedroom layout with a…
Listing Office: meritage homes of florida realty
For Sale3035 Bella Collina WayGreen Cove Springs, FL 32043
4 bd · 3 ba · 2,193 sq ft
$360,990Est. $1,921/moBrand new, energy-efficient home available by Jan 2027! The versatile flex space in this home can be used as a gaming…
Listing Office: meritage homes of florida realty
Pending3030 Bella Collina WayGreen Cove Springs, FL 32043
4 bd · 3 ba · 2,494 sq ft
$387,500Est. $2,062/moLOT 107 -The Pinnacle Bungalow is a one story home great for entertaining with an open layout. 42'' cabinets, Quartz…
Listing Office: mattamy real estate services
Keep looking
Similar homes in Green Cove Springs
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines