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Active

Active·109 days on market

3135 Cottage Hill Place

Green Cove Springs, FL 32043

$377,900$205/sqftEst. $1,943/moMLS# 2145086

Beds

Baths

1,844

Sq Ft

2026

Built

Garage

Pool

About this home

Green Cove Springs

I10 West, Take Exit 350. Go left at the fork to drive South on FL-23 for about 15 miles. Turn left onto SR 21 N and drive 0.4 miles. Turn right onto Baxley Rd and drive 0.5 miles. Turn left onto CR 220 E. Turn right onto Henley Rd and drive about 3.5 Miles. Turn Left CR739/Sandridge Rd and drive 1.7 mile. Turn right onto Rolling View Blvd. Turn right on Bradley Creek Pkwy and drive 0.7 miles.

Cost to own

Mortgage calculator

Home Price

$377,900

Down Payment: 20%

$75,580

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,943

Principal & Interest: $1,943

Property taxes (est.): $579

Insurance (est.): $252

Estimated Total Monthly

$2,774

*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$1,943

Property taxesest. at asking price, Clay County$579

HOAbilled monthly$10

Estimated total, before insurance$2,532/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.

Cost to own

Taxes & assessment

Last sold: $1,017,700 in June 2024(county public record, not MLS data)

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

Estimated taxes if purchased at asking price: ~$6,900/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.

Solar potential: ~1,774 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

May 13, 2026Listed$377,900

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

Features

Price$377,900

Price / Sq Ft$205

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,844

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryLake Asbury

MiddleLake Asbury

HighMiddleburg

Community Information

Address3135 Cottage Hill Place, Green Cove Springs, FL 32043

Area163-Lake Asbury Area

SubdivisionRolling Hills

CityGreen Cove Springs

CountyClay

StateFL

Zip Code32043

Parcel Number27-05-25-010109-018-25

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)