Sold·Closed Sep 28, 2026·78 days on market
3590 Bella Sera Lane
Green Cove Springs, FL 32043
About this home
Green Cove Springs
Brand new, energy-efficient home with a water view available by Sep 2026! Looking for a new home in Jacksonville, FL? The Davenport floorplan offers a spacious layout with four bedrooms and three bathrooms. Enjoy a chef inspired kitchen with a large work island that overlooks the dining, great room and covered lanai. Now selling move-in ready homes. Lakes at Bella Lago Signature Series offers new single-family homes in Green Cove Springs, FL with various open-concept floorplans. Homeowners will enjoy world-class amenities including a pool, clubhouse, playground and large community lake. Located in Clay County, this community is just minutes from the new First Coast Expressway, providing easy access to all areas of Jacksonville. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,723 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $60,000 | $38,500 | — |
| 2024 | $35,000 | $35,000 | ▲ $15,000 |
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.
History
Price & status history
- Sep 29, 2026Closed$338,990
- Aug 26, 2026Pending$338,990
- Jun 9, 2026Listed$338,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $178/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3582 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Oct 2026 | $356,990 | $163 | 4/3 | 2,193 | 16 | 0 |
| 3606 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $334,990 | $182 | 4/2 | 1,840 | 75 | 0 |
| 3594 Bella Sera Lane, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $352,990 | $161 | 4/3 | 2,193 | 50 | 0 |
| 3070 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $362,900 | $161 | 3/2.5 | 2,252 | 362 | 0.1 |
| 3042 Bella Collina Way, Green Cove Springs, FL 32043Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $405,000 | $178 | 3/2.5 | 2,273 | 138 | 0.1 |
| 3013 Bella Collina Way, Green Cove Springs, FL 32043Listed by MERITAGE HOMES OF FLORIDA REALTY | Sep 2026 | $329,990 | $179 | 4/3 | 1,842 | 319 | 0.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MERITAGE HOMES OF FLORIDA REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines