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Active·7 days on market

3213 Willowleaf Lane

Green Cove Springs, FL 32043

$519,990$145/sqftEst. $2,858/mo mortgageMLS# 2169308
↓ $20,000 below original listOpen house Fri, Oct 23 · 1:00 pm–5:00 pm
5
Beds
4
Baths
3,585
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $13/mo10,019 sqft lotSingle Family Residence2 storiesNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Green Cove Springs

Sample Image !!!This Boca II- F plan boasts 3,285 sq ft with 5 Beds, 4 Baths, with a 3 car garage. The spacious primary bedroom offers a serene retreat, complete with a large, well-appointed bathroom for ultimate comfort with a large,tiled walk-in shower, deep soaking tub, as well as an oversized walk-in closet. The layout flows seamlessly from study in the front of the home, the formal dining room to the roomy gourmet kitchen equipped with a walk-in pantry to the inviting living spaces. Interior finishes such as upgraded 42'' cabinets, Quartz counters in kitchen, quartz counters in baths, and upgraded wood-look laminate in the main areas! Amazing neutral pallet to for your dream space and on a lovely large preserve homesite.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,858
Property taxesest. at asking price, Clay County$797
HOAbilled annually$13
Estimated total, before insurance$3,667/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,247/yr · $437/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

$519,990
$103,998
Loan Term
Monthly Payment
$2,858
Principal & Interest: $2,858
Property taxes (est.): $797
Insurance (est.): $347
Estimated Total Monthly
$4,001
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,744 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 October 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,247/yr

Estimated taxes if purchased at asking price: ~$9,600/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

  • Oct 15, 2026Price change$519,990−$20,000
  • Oct 15, 2026Listed$539,990

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 $169/sq ft; this home is listed at $145/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3315 Harvesters Court, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$535,000$1864/42,8811330.1
3439 Americana Drive, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$429,990$1454/3.52,956670.1
3457 Americana Drive, Green Cove Springs, FL 32043Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$454,970$1545/3.52,961550.2
3610 Zydeco Loop, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$454,000$1753/2.52,600990.2
3620 Zydeco Loop, Green Cove Springs, FL 32043Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Jul 2026$439,000$1693/2.52,6001190.2
3213 Crocus Lane, Green Cove Springs, FL 32043Listed by CASTILLO REAL ESTATE JAXJul 2026$450,000$1445/4.53,135200.4

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

Price$519,990
Price / Sq Ft$145
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,585
Total Structure Area4,100 sq ft
Acres0.23 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryLake Asbury
MiddleLake Asbury
HighClay

Community Information

Address3213 Willowleaf Lane, Green Cove Springs, FL 32043
Area163-Lake Asbury Area
SubdivisionHyland Trail
CityGreen Cove Springs
CountyClay
StateFL
Zip Code32043
Lot Size10,018.8 sq ft
Parcel Number15052500933800689
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Park, Playground
UtilitiesCable Available, Electricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 15, 2026
Days on Market4
HOA Fees$150 / Annually
HOA FrequencyAnnually
Tax Amount$5,246.64
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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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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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