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Active·148 days on market

2967 Monroe Lakes Terrace

Green Cove Springs, FL 32043

$409,990$183/sqftEst. $2,114/moMLS# 2107379

Beds

Baths

2,239

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

This wooded view home features 4 bedrooms, 2 bath and a 2 car garage. The open floor plan showcases volume ceilings and a spacious great room. The kitchen boasts white Woodmont® 42-in. upper cabinets, wet island and Whirlpool® stainless steel appliances. The primary suite features a large walk-in closet and connecting bath that offers quartz countertops and a dual-sink vanity. Other highlights include dedicated laundry room, covered patio, ENERGY STAR® certified lighting, Moen® faucets, Kohler® sinks and smart thermostat. KB Home at Anabelle Island pool, dog park and playground are now open! Anabelle Island is a premier natural gas community, offering residents the ability to cook, do laundry, and enjoy hot water heating with natural gas. Closing cost assistance available on this home. This home is available for self-touring 7 days a week from 7 AM - 9 PM.

Cost to own

Mortgage calculator

Home Price

$409,990

Down Payment: 20%

$81,998

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,114

Principal & Interest: $2,114

Property taxes (est.): $628

Insurance (est.): $273

Estimated Total Monthly

$3,016

*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$2,114

Property taxesest. at asking price, Clay County$628

HOAbilled annually$13

Estimated total, before insurance$2,755/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$65,000	$29,282	—
2024	$65,000	$26,620	—
2023	$30,000	$24,200	—
2022	$22,000	$22,000	—

Estimated taxes if purchased at asking price: ~$7,500/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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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