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Active·100 days on market

2812 Monroe Lakes Terrace

Green Cove Springs, FL 32043

$320,000$211/sqftEst. $1,650/moMLS# 2142725

Beds

Baths

1,514

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

Many Upgrades - Not your typical Builder Grade Home! Higher level roof elevation - level M, 10' ceilings in the common areas, Gutters and under drains out back, upgraded counter tops, cabinets and handles, irrigation system, pre-wired for security w/camera spots on back patio and right side of garage. This home has an open floor plan! Large Kitchen with space for a breakfast table and chairs! There is eat-at-counter too! Enjoy grill time just outside the sliding glass doors to the back patio! Property backs up to a wooded area! Split bedroom arrangement with Primary at the rear of the home. Primary Bedroom has large shelved walk-in closet and a private bath with large shower - Upgraded vanity and shower (tile and glass door). Custom window coverings from Select Blinds throughout the home. You'll love the oversized hall bathroom! Bedrooms 2 and 3 are good sized room with gracious sized closets! This 2-year-old home has barely been lived in and is in like new condition.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,650

Principal & Interest: $1,650

Property taxes (est.): $490

Insurance (est.): $213

Estimated Total Monthly

$2,354

*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$1,650

Property taxesest. at asking price, Clay County$490

HOAbilled annually$12

Estimated total, before insurance$2,152/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,634/yr · $469/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

Last sold: $305,900 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$268,043	$217,321	—
2024	$65,000	$26,620	—
2023	$30,000	$24,200	—
2022	$22,000	$22,000	—

2025 property taxes (current owner): $5,634/yr

Estimated taxes if purchased at asking price: ~$5,900/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: material not specified — year not disclosed (home built 2024)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

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

Apr 30, 2026Listed$320,000

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

Features

Price$320,000

Price / Sq Ft$211

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,514

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address2812 Monroe Lakes Terrace, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionAnabelle Island

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size4,791.6 sq ft

Parcel Number39052501009701168

Amenities

AmenitiesPool, Dog Park, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit