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Active·15 days on market

2774 Monroe Lakes Terrace Terrace

Green Cove Springs, FL 32043

$325,000$242/sqftEst. $1,676/moMLS# 2156620

Beds

Baths

1,342

Sq Ft

2024

Built

Garage

Pool

About this home

Green Cove Springs

Beautifully Upgraded & Move-In Ready! Welcome to this beautifully maintained, like-new home offering the perfect blend of style, comfort, and privacy. The open-concept floor plan features soaring 10-foot ceilings in the main living areas, creating a bright and spacious feel that's perfect for everyday living and entertaining. The kitchen offers abundant cabinetry, generous counter space, a breakfast bar, and room for a dining table, making it the heart of the home. The split-bedroom layout provides privacy, with the spacious primary suite tucked away at the rear of the home overlooking the peaceful backyard. Step outside to your covered lanai and enjoy relaxing evenings while taking in the serene wooded preserve views. The fully fenced backyard offers privacy with no rear neighbors and plenty of room for pets, play, or future outdoor living enhancements. Additional features include: Builder and owner upgrades throughout Gutters and irrigation system Custom window treatments

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,676

Principal & Interest: $1,676

Property taxes (est.): $498

Insurance (est.): $217

Estimated Total Monthly

$2,391

*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$1,676

Property taxesest. at asking price, Clay County$498

HOAbilled annually$12

Estimated total, before insurance$2,186/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.

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 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