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Pending

Pending·151 days on market

3322 Willowleaf Lane

Green Cove Springs, FL 32043

$431,990$195/sqftEst. $2,221/moMLS# 2137653

Beds

Baths

2,213

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

Fleming model. This exquisite home offers 2213 square feet of thoughtfully designed living space, ideal for those seeking a spacious yet intimate retreat. The Fleming is designed with modern living in mind, offering an open and airy feel throughout. As you enter, you'll immediately sense the attention to detail that Dream Finders Homes is known for. At the heart of this home is the gourmet kitchen - a culinary enthusiast's dream come true. Equipped with top-of-the-line appliances and ample counter space, this kitchen is perfect for whipping up family meals or entertaining guests. The open concept design allows the chef to remain part of the conversation, whether it's a casual family dinner or a lively gathering with friends. The Fleming truly shines when it comes to the owner's suite.

Cost to own

Mortgage calculator

Home Price

$431,990

Down Payment: 20%

$86,398

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,221

Principal & Interest: $2,221

Property taxes (est.): $662

Insurance (est.): $288

Estimated Total Monthly

$3,171

*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$2,221

Property taxesest. at asking price, Clay County$662

HOAbilled annually$13

Estimated total, before insurance$2,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,681/yr · $307/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): $3,681/yr

Estimated taxes if purchased at asking price: ~$7,900/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

Aug 6, 2026Pending$431,990
Mar 31, 2026Listed$431,990

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

Features

Price$431,990

Price / Sq Ft$195

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,213

Total Structure Area2,900 sq ft

Acres0.26 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3322 Willowleaf Lane, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size11,325.6 sq ft

Parcel Number15052500933800713

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)