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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Rolling Hills, Green Cove Springs — a home near Clay High School.

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Active

Active·62 days on market·Rolling Hills

3144 Cottage Hill Place

Green Cove Springs, FL 32043

$305,900$245/sqftEst. $1,681/mo mortgageMLS# 2107391
3
Beds
2
Baths
1,247
Sq Ft
2025
Built
2
Garage
No
Pool

25 more homes for sale in Rolling Hills →Search Rolling Hills on the map

FEMA Zone XHOA $10/moSingle Family Residence1 storyNew construction

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About this home

Rolling Hills

Step into the Caroline, a thoughtfully crafted 3-bedroom, 2-bathroom home that proves you don't need excess square footage to enjoy spacious living. This bright and open floor plan maximizes every inch with smart, functional layout choices that create a seamless flow from room to room. The heart of the home is a spacious living area that opens to a modern kitchen, perfect for entertaining or everyday relaxation. Natural light fills the space, creating a warm and inviting atmosphere. The primary suite offers a private retreat with an en-suite bathroom and ample closet space, while two additional bedrooms offer flexibility for a growing family, home office, or guest space. Step outside to enjoy the covered porch—ideal for morning coffee or evening gatherings, rain or shine. The Caroline is where simplicity meets style—offering everything you need, without compromise.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$1,681
Property taxesest. at asking price, Clay County$469
HOAbilled annually$10
Estimated total, before insurance$2,160/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$305,900
$61,180
Loan Term
Monthly Payment
$1,681
Principal & Interest: $1,681
Property taxes (est.): $469
Insurance (est.): $204
Estimated Total Monthly
$2,354
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $1,017,700 in June 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$65,000$65,000—
2024$65,000$65,000—

Estimated taxes if purchased at asking price: ~$5,600/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 2, 2026Price change$305,900+$6,000
  • Aug 21, 2026Active$299,900
  • Aug 10, 2026Pending$299,900
  • Jul 2, 2026Listed$299,900

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 $217/sq ft; this home is listed at $245/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3118 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCJul 2026$299,900$2403/21,2472580
3281 Mission Oak Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCMay 2026$295,900$2113/21,4031250
3114 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCOct 2026$337,900$2203/21,5361200.1
3145 Cottage Hill Place, Green Cove Springs, FL 32043Listed by LGI REALTY - FLORIDA, LLCJul 2026$333,900$2173/21,5361630.1
3131 Cottage Hill Place, Green Cove Springs, FL 32068Listed by LGI REALTY - FLORIDA, LLCJul 2026$329,900$2153/21,53600.1
3372 Meadow Ridge Place, Green Cove Springs, FL 32043Listed by ADAMS HOMES REALTY INCAug 2026$324,900$2153/21,5121710.5

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

Price$305,900
Price / Sq Ft$245
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,247
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address3144 Cottage Hill Place, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionRolling Hills
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number27-05-25-010109-018-43
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved

Additional Information

Date ListedAugust 21, 2026
Days on Market380
HOA Fees$120 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LGI REALTY - FLORIDA, LLC

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.

The neighborhood

About Rolling Hills

Rolling Hills is a neighborhood in Southern St. Johns County, FL (Clay County), ZIP 32043.

View all Rolling Hills homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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