Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active·129 days on market

2224 Willow Gln Lane

Green Cove Springs, FL 32043

$344,900$138/sqftEst. $1,771/moMLS# 2140246

Beds

Baths

2,496

Sq Ft

2023

Built

Garage

Pool

About this home

Green Cove Springs

HUGE PRICE ADJUSTMENT!! BUYERS CASH INCENTIVE A Military Relocation creates the perfect chance for you to own this stunning 2-story home before it's gone! 4 Spacious Bedrooms, 3 Full Bathrooms, Huge fenced backyard w/ an oversized paver patio ideal for BBQs, kids, pets & unforgettable gatherings, The backyard is truly a dream -- perfect for entertaining or simply relaxing after a long day. Gorgeous white cabinetry & sleek stainless steel appliances, Bright open-concept layout w/ abundant natural light throughout from the moment you walk in, you'll love the inviting spaces, modern finishes, and room for everyone to spread out and feel at home. This home is move-in ready with thoughtful upgrades throughout, Custom upgrades throughout this beautifully maintained home! Featuring professionally crafted wooden pantry shelving for elevated organization & stylish wood barn doors that add warmth and character to the office/flex room.

Cost to own

Mortgage calculator

Home Price

$344,900

Down Payment: 20%

$68,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,771

Principal & Interest: $1,771

Property taxes (est.): $529

Insurance (est.): $230

Estimated Total Monthly

$2,530

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,771

Property taxesest. at asking price, Clay County$529

HOAbilled annually$8

Estimated total, before insurance$2,308/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,973/yr · $664/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

Last sold: $333,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$344,998	$294,276	—
2024	$349,464	$299,464	—
2023	$45,000	$45,000	—
2022	$13,000	$13,000	—

2025 property taxes (current owner): $7,973/yr

Estimated taxes if purchased at asking price: ~$6,300/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 2023)

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