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Pending

Pending·142 days on market

2951 Monroe Lakes Terrace

Green Cove Springs, FL 32043

$349,990$175/sqftEst. $1,805/moMLS# 2135509

Beds

Baths

2,003

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

This wooded view home is ready for move-in TODAY and features 3 bedrooms, den, 2 bath and a 2 car garage. The open floor plan showcases volume ceilings and a spacious great room with tile flooring. The kitchen boasts white Woodmont® 42-in. upper cabinets with crown molding, wet island, quartz countertops 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. Enjoy your wooded view from your covered patio. Other highlights include dedicated laundry room, 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.

Cost to own

Mortgage calculator

Home Price

$349,990

Down Payment: 20%

$69,998

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,805

Principal & Interest: $1,805

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,575

*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$1,805

Property taxesest. at asking price, Clay County$536

HOAbilled annually$12

Estimated total, before insurance$2,353/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: ~$6,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,714 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

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.