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Pending

Pending·367 days on market

3076 Bella Collina Way

Green Cove Springs, FL 32043

$404,000$161/sqftEst. $2,083/moMLS# 2102523

Beds

Baths

2,515

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

LOT 118 -The Pinnacle Southern Classic is a thoughtfully designed one-story home featuring 4 bedrooms, 3 baths, and a 2-car garage. The spacious Great Room flows into the dining area and opens to a covered lanai—ideal for indoor-outdoor entertaining. A dedicated Study in lieu of a Flex Room offers a quiet space for work or hobbies. The gourmet kitchen includes a walk-in pantry and connects seamlessly to the heart of the home. The private owner's suite features a generous walk-in closet and a luxurious Owner's Shower Plus for spa-like comfort. Bath 3 has been upgraded with a shower in lieu of a tub, perfect for guests or multi-generational living. Located in Lakes at Bella Lago, a nature-rich community with scenic lake views, open green spaces, and an ''Old Florida'' charm, residents enjoy resort-style amenities including a pool, cabana, and playground. Conveniently close to everything Northeast Florida offers, this home delivers roomier, brighter, better living.

Cost to own

Mortgage calculator

Home Price

$404,000

Down Payment: 20%

$80,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,083

Principal & Interest: $2,083

Property taxes (est.): $619

Insurance (est.): $269

Estimated Total Monthly

$2,972

*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$2,083

Property taxesest. at asking price, Clay County$619

HOAbilled annually$5

Estimated total, before insurance$2,708/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: ~$7,400/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.

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$404,000
Jul 30, 2026Price change$404,000−$5,000
Jul 18, 2026Price change$409,000−$5,500
Jul 13, 2026Price change$414,500−$5,000
Aug 6, 2025Listed$419,500

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

Features

Price$404,000

Price / Sq Ft$161

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,515

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

Address3076 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 Number26052501010102018

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