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Active

Active·59 days on market

3126 Cottage Hill Place

Green Cove Springs, FL 32043

$299,900$240/sqftEst. $1,542/moMLS# 2107403

Beds

Baths

1,247

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

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.

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,542

Principal & Interest: $1,542

Property taxes (est.): $460

Insurance (est.): $200

Estimated Total Monthly

$2,201

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,542

Property taxesest. at asking price, Clay County$460

HOAbilled annually$10

Estimated total, before insurance$2,011/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

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

Year	Market value	Taxable value	Change
2025	$65,000	$65,000	—
2024	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$5,500/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.

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

Jul 2, 2026Listed$299,900

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

Features

Price$299,900

Price / Sq Ft$240

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

Address3126 Cottage Hill Place, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionRolling Hills

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number27-05-25-010109-018-39

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

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)