Lakes at Bella Lago vs Russell Retreat
Two Clay communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-11-11.
| Metric | Lakes at Bella Lago | Russell Retreat |
|---|---|---|
| Median sale price | $349K | $466K |
| Price per sq ft | $177 | $146 |
| Avg days on market | 62 days | 122 days |
| Months of supply | 4.3 mo | 1.8 mo |
| Market | Balanced Market | Seller's Market |
| 1-year price change | +8% | False |
| Recent closings | 47 | 26 |
The verdict
Russell Retreat carries the higher median price — about 34% above Lakes at Bella Lago. Homes in Lakes at Bella Lago sell faster (62 days on market vs 122). Russell Retreat is the tighter market on inventory (1.8 months of supply).
Where each one is
| Lakes at Bella Lago | Russell Retreat | |
|---|---|---|
| County | Clay County, FL | Clay County, FL |
| City / area | Green Cove Springs | Green Cove Springs |
| ZIP | 32043 | 32043 |
| FEMA flood zones (sampled parcels) | 92% of 24 homes outside a flood zone (Zone X) | all 20 sampled homes outside a flood zone |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Lakes at Bella Lago | Russell Retreat | |
|---|---|---|
| Homes for sale now | 17 | 4 |
| Under contract | 8 | 4 |
| Asking prices today | $290K to $390K | $410K to $440K |
| Listed in the last 7 days | 15 | 3 |
| Property types listed | Single Family Residence | Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Lakes at Bella Lago homes for sale · Russell Retreat homes for sale.
The homes themselves
| Lakes at Bella Lago | Russell Retreat | |
|---|---|---|
| Homes (parcels) | 88 | n/a |
| Built | 2024–2024 (median 2024) | n/a |
| Typical living area | 1,844 sq ft | n/a |
| Vacant lots | 122 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
How each one trades
| Lakes at Bella Lago | Russell Retreat | |
|---|---|---|
| Sale-to-original-list | 93.2% | 94.6% |
| New-construction share of sales | 100% | 100% |
| Typical sold home | 2,193 sq ft | 3,026 sq ft |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Lakes at Bella Lago | Russell Retreat | |
|---|---|---|
| Elementary | Lake Asbury | not reported |
| Middle | Lake Asbury | not reported |
| High school | Clay | not reported |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Lakes at Bella Lago is the lower entry point (median $349K vs $466K). Sellers get a faster sale in Lakes at Bella Lago (62 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Russell Retreat more expensive than Lakes at Bella Lago?
Yes, on recent sales: the median sale price in Russell Retreat is $466,000 versus $349,000 in Lakes at Bella Lago, about 34% higher.
Where do sellers get closer to asking price?
Russell Retreat — sellers there received 94.6% of the original list price over the last 12 months versus 93.2% in Lakes at Bella Lago.
Go deeper on each: Lakes at Bella Lago homes, photos & schools · Russell Retreat homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.