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Active

Active·128 days on market

3312 Willowleaf Lane

Green Cove Springs, FL 32043

$399,490$182/sqftEst. $2,037/moMLS# 2135816

Beds

Baths

2,190

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

The Camden is always at the top of the list with our home buyers. This home defines the word ''cozy'' featuring 3 bedrooms and 2 full baths. The kitchen features upgraded cabinets, gas cooktop, and massive island overlooking the family room, which is center stage in this home. It flows seamlessly into the owner's suite that is tucked in the back of the home to offer as much privacy as possible. This one will be at the top of your list as it never disappoints! *Photos are representative of Camden floor plan.

Cost to own

Mortgage calculator

Home Price

$399,490

Down Payment: 20%

$79,898

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,037

Principal & Interest: $2,037

Property taxes (est.): $612

Insurance (est.): $266

Estimated Total Monthly

$2,915

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,037

Property taxesest. at asking price, Clay County$612

HOAbilled annually$13

Estimated total, before insurance$2,662/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,673/yr · $389/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

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

2025 property taxes (current owner): $4,673/yr

Estimated taxes if purchased at asking price: ~$7,300/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 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.

History

Price & status history

Mar 19, 2026Listed$399,490

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

Features

Price$399,490

Price / Sq Ft$182

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,190

Acres0.15 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3312 Willowleaf Lane, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size6,534 sq ft

Lot Dimensions50x127

Parcel Number15052500933800715

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level

SecuritySmoke Detector(s)