Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$304,900

3195 COTTAGE HILL Place, Green Cove Springs, FL 32043, Green Cove Springs, FL 32043

Rolling Hills

Price
$304,900
Beds / Baths
3 / 2
Living area
1,247 sqft
Year built
2026
Type
Residential
Lot
Garage
2
HOA
$10/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
83
Elementary
Lake Asbury
Middle
Lake Asbury
High school
Middleburg

$245/sqft asking, vs a $179/sqft median across 1,751 closed sales in 32043 over the last 12 months — 36% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Step into the Caroline, a thoughtfully crafted 3-bedroom, 2-bathroom home that proves you don't need excess square footage to enjoy spacious living. This bright and open floor plan maximizes every inch with smart, functional layout choices that create a seamless flow from room to room. The heart of the home is a spacious living area that opens to a modern kitchen, perfect for entertaining or everyday relaxation. Natural light fills the space, creating a warm and inviting atmosphere. The primary suite offers a private retreat with an en-suite bathroom and ample closet space, while two additional bedrooms offer flexibility for a growing family, home office, or guest space. Step outside to enjoy the covered porch--ideal for morning coffee or evening gatherings, rain or shine. The Caroline is where simplicity meets style--offering everything you need, without compromise.

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate if in AE/VE.
  • Request CDD bond payoff amount and verify annual assessment obligations.
  • Verify new construction warranty details and builder's final punch-list completion.
  • Confirm homeowners insurance quote availability for new construction in Clay County.
  • Review HOA governing documents despite low $10/mo fee for any restrictions.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,582/mo
Property tax (1.1% eff., Clay Co.)$279/mo
Homeowners insurance (est.)$292/mo
HOA$10/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$2,330/mo

Loan $243,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of LGI REALTY - FLORIDA, LLC. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 5:40 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.