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Pending

Pending·74 days on market

3234 Willowleaf Lane

Green Cove Springs, FL 32043

$389,000$182/sqftEst. $1,983/moMLS# 2144862

Beds

Baths

2,140

Sq Ft

2025

Built

Garage

Pool

About this home

Green Cove Springs

ALL allowable closing costs paid by Seller with accepted offer by 5/31! Enjoy resort-style living at Hyland Trail in Green Cove Springs, one of Clay County's fastest-growing master-planned communities. Residents enjoy planned amenities including a future clubhouse, fitness center, resort-style pool, playground, pickleball courts, athletic field, and scenic nature trails through preserved wooded areas--all with a low HOA fee. Conveniently located near shopping, dining, and everyday essentials, Hyland Trail offers the perfect blend of convenience and natural beauty. Inside, this thoughtfully designed home features Luxury Vinyl Plank flooring, quartz countertops throughout, 42'' white upper kitchen cabinets, and a large bay window that fills the front room with natural light. Additional highlights include refrigerator, washer, dryer, and 2'' faux wood blinds already included for a move-in ready experience.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,983

Principal & Interest: $1,983

Property taxes (est.): $596

Insurance (est.): $259

Estimated Total Monthly

$2,839

*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$1,983

Property taxesest. at asking price, Clay County$596

HOAbilled monthly$13

Estimated total, before insurance$2,592/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

Last sold: $10,729,500 in February 2024(county public record, not MLS data)

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: ~$7,200/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 2025)

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

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.

Features

Price$389,000

Price / Sq Ft$182

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,140

Acres0.18 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighClay

Community Information

Address3234 Willowleaf Lane, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionHyland Trail

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Lot Size7,840.8 sq ft

Parcel Number15052500933800731

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)