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Sold

Sold·Closed Sep 23, 2026·138 days on market

3042 Bella Collina Way

Green Cove Springs, FL 32043

$405,000sold priceListed at $409,000 · 99% of asking$178/sqftMLS# 2134175
3
Beds
2.5
Baths
2,273
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $5/moSingle Family Residence1 storyNew construction

About this home

Green Cove Springs

Lot 110 - The Saratoga floorplan with a charming Farmhouse elevation offers a perfect blend of spacious living and everyday comfort. At the center of the home, the expansive Great Room flows into a bright dining nook and a designer kitchen with a walk-in pantry, creating an ideal space for entertaining and daily living. Just off the main living area, a versatile flex room can serve as a home office, playroom, or cozy retreat. The private primary suite provides a relaxing escape with a large walk-in closet and a spa-inspired bath with dual vanities. Two additional bedrooms share a full bath, while Bedroom 3 also features its own walk-in closet. Enjoy outdoor living on the covered lanai, perfect for relaxing or gathering with guests. A convenient stop-and-drop area near the laundry room and spacious 3-car garage keeps everything organized. Located in Lakes at Bella Lago, residents enjoy scenic surroundings, resort-style amenities, and easy access to Northeast Florida.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,243
Property taxesest. at asking price, Clay County$621
HOAbilled annually$5
Estimated total, before insurance$2,869/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

$405,000
$81,000
Loan Term
Monthly Payment
$2,243
Principal & Interest: $2,243
Property taxes (est.): $621
Insurance (est.): $270
Estimated Total Monthly
$3,134
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2026)

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$60,000$38,500—
2024$35,000$35,000▲ $15,000

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.

History

Price & status history

  • Sep 28, 2026Closed$409,000
  • Jul 28, 2026Pending$409,000
  • Jul 18, 2026Price change$409,000−$10,000
  • Jul 13, 2026Price change$419,000−$10,000
  • Mar 10, 2026Listed$429,000

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 $179/sq ft; this home is listed at $180/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3590 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$340,990$1854/31,842780.1
3070 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICESSep 2026$362,900$1613/2.52,2523620.1
3606 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$334,990$1824/21,840750.1
3594 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$352,990$1614/32,193500.1
3076 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICESSep 2026$404,000$1614/32,5153620.1
3013 Bella Collina Way, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$329,990$1794/31,8423190.1

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$409,000
Price / Sq Ft$180
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,273
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address3042 Bella Collina Way, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionBella Lago
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Parcel Number26052501010102010

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Park, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewOther

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
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Patio
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedMarch 10, 2026
Days on Market138
HOA Fees$65 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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