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Pending

Pending·370 days on market

3070 Bella Collina Way

Green Cove Springs, FL 32043

$374,000$166/sqftEst. $1,929/moMLS# 2102519

Beds

Baths

2,252

Sq Ft

2025

Built

Garage

Pool

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

Mortgage calculator

Home Price

$374,000

Down Payment: 20%

$74,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,929

Principal & Interest: $1,929

Property taxes (est.): $573

Insurance (est.): $249

Estimated Total Monthly

$2,751

*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$1,929

Property taxesest. at asking price, Clay County$573

HOAbilled annually$5

Estimated total, before insurance$2,507/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: ~$6,900/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.

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 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

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.

Features

Price$374,000

Price / Sq Ft$166

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,252

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

Address3070 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 Number26052501010102017

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

FlooringCarpet, Tile

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup