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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·8 days on market

3167 Lago Vista Drive

Green Cove Springs, FL 32043

$394,900$173/sqftEst. $2,108/moMLS# 2165314
Open house Sat, Sep 26 · 12:30 pm–2:30 pm
4
Beds
3
Baths
2,286
Sq Ft
2024
Built
3
Garage
No
Pool
FEMA Zone XHOA $22/mo7,405 sqft lotSingle Family Residence1 story

About this home

Green Cove Springs

No Need to wait to build, this home is turn key and boasts of space and a desirable floorpan for everyone! Perfect lot backed to preserve, and walking distance to the amenity center! The entry opens into the center of the home- a large family room overlooked by the kitchen and an offset dining area. This kitchen has room to host and entertain and ideal for those who love to cook! Plenty of counter space and cabinet storage, large walk in pantry. Natural light filters into the main space from the windows. Primary bedroom is in rear of home with ensuite- dual sink vanities, large walk-in shower and walk in closet. Two additional secondary bedrooms in the front of the home share a hall bathroom. Multi generational floorpan offers another secondary bedroom off of the living room with its own en suite. Enjoy grilling out in your spacious screened lanai overlooking the preserve, an extension of the home. Minutes to the First Coast Expressway and growing area of Green Cove Springs.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,108
Property taxesest. at asking price, Clay County$605
HOAbilled quarterly$22
Estimated total, before insurance$2,735/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,102/yr · $592/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$394,900
$78,980
Loan Term
Monthly Payment
$2,108
Principal & Interest: $2,108
Property taxes (est.): $605
Insurance (est.): $263
Estimated Total Monthly
$2,977
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 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

2025 property taxes (current owner): $7,102/yr

Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.

History

Price & status history

  • Sep 17, 2026Listed$394,900

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

Features

Price$394,900
Price / Sq Ft$173
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,286
Acres0.17 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address3167 Lago Vista Drive, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionBella Lago
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size7,405.2 sq ft
Parcel Number26052501010101924

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Available, Sewer Available
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingElectric
CoolingElectric
FlooringCarpet, Vinyl
# of Stories1
LaundryIn Unit

Exterior

Patio / PorchScreened

Additional Information

Date ListedSeptember 17, 2026
Days on Market5
HOA Fees$65 / Quarterly
HOA FrequencyQuarterly
Tax Amount$7,101.56
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NAVY TO NAVY HOMES LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

9/26/2026

12:30 pm - 2:30 pm