PendingSingle Family Residence▼ Price cut: $15,000 (8/19)
$313,990
3-Bedroom Home in Anabelle Island
2770 Monroe Lakes Terrace, Green Cove Springs, FL 32043
Single Family Residence in Anabelle Island, Green Cove Springs · No CDD · Built 2025
Anabelle Island · Green Cove Springs, FL 32043 · Clay
Listing data updated September 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,541Sq Ft
2025Year Built
$204Per Sq Ft
2-car garageNew constructionNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$204 here vs $187 median sold (12 mo)
Buyer leverage
Strong buyer advantage
349 days on market
7.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~19 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 19, 2026, 2770 MONROE LAKES Terrace in Anabelle Island, Green Cove Springs is listed at $313,990 (1,541 sq ft, about $204 per sq ft). That sits within a few percent of Anabelle Island's median closed sale of $349,990 over the last 12 months (11 recorded sales). It has been 349 days on market, longer than the community's typical 44 days to contract. Listing facts: new construction, HOA dues of $13/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2025
1,541 sq ft of living area
2-car garage
Listed at $313,990 — recent neighborhood median sale price ~$349,990 (nearby sales; deemed reliable, not an appraisal)
349 days on market
HOA $13/mo (per listing)
School district: Shadowlawn Elementary Schools St. Johns County SchoolsCommunity built 2022–2026Blue Rhino Propane Exchange · 6 min driveThe Turmeric Kitchen · 6 min driveCamp Chowenwaw Park · 8 min drive
Momentum Research · Anabelle Island
Pricing & the Anabelle Island market
How this home is priced against recent nearby sales, and where Anabelle Island has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Anabelle Island
Each dot is a closed sale since 2022 (63 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2023–2026. This home lists at $204/sq ft.
Median sale price by year
12-month median closed price, 2023–2026.
Property timeline
This home’s history
2025BuiltPer public record
Jul 2, 2026First trackedObserved at $328,990
Aug 19, 2026Price cut$313,990
NowUnder contractCurrently pending
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,017/mo
Principal & interest $1,663/mo82%
Taxes $256/mo13%
Insurance $85/mo4%
HOA $13/mo1%
$2,017/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
53/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area27
This home $204/sq ft vs the community 12-month median $187/sq ft.
Affordability67
List price $313,990 vs the community median $349,990. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~19 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity37
Community median 44 days on market, ~7.6 months of supply (12-month record).
Renovation upside10
From a 2025 build and $204/sq ft vs the community median $187/sq ft. Not a condition assessment.
Pricing power56
Recent sales closed at about 96.7% of original asking (~3.3% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 7.6 months of supply in the surrounding market and 349 days on market for this home, against a 44-day area median.Days on market:this home 349Area median: 44 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 17, 2026.
🟡 Asking $204 per square foot, about 9% above the community’s $187 median. Anabelle Island’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 4.4% year over year. Confidence: Medium · 11 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
34% of homes in Anabelle Island are owner-occupied. An estimated 66% are non-owner-occupied, including 46% held in a company or trust and 1% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 138 homes matched. Community-level context.
Recent Anabelle Island sales closed near 96.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 17, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in Anabelle Island, no CDD assessment.
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This cul de sac features 3 bedrooms, 2 bath and a 2 car garage. Upon entering this home you will find an open floor plan with volume ceilings and a spacious great room with upgraded tile flooring. The kitchen boasts Woodmont® 42-in.
upper cabinets, an island and Whirlpool® stainless steel appliances. The primary suite features a walk-in closet and connecting bath that offers quartz countertops, a dual-sink vanity and walk-in shower. Other highlights include ENERGY STAR® certified lighting, Moen® faucets, Kohler® sinks and smart thermostat.
Enjoy your wooded view from your covered back patio. KB Home at Anabelle Island pool and playground are now open! Anabelle Island is a premier natural gas community, offering residents the ability to cook, do laundry, and enjoy hot water heating with natural gas and tankless water heater.
Closing cost assistance available on this home. This home is available for self-touring 7 days a week from 7 AM - 9 PM.
All 33 photos
Description provided by ROUND TABLE REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$313,990
Bed / bath3 / 2
Living area1,541 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #2106819
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~19 ft
Windstorm exposureLow
CountyClay
Area listings7 active · 4 under contract
Estimated first-year tax~$3,077/yr
CDD assessmentNone on record
HOA (per listing)$13/mo
Calculated estimates
Price per sq ft$204
Estimated monthly payment$2,017
Insurance (illustrative)$500–$2k/yr
Messtimate range$288,167 – $315,905
Comparable-sales median$349,990
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$288,167the mess$315,905
Actual list price: $313,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 10% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $13/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 349 days on market vs. a 44-day community median
8 active listings competing, 4 under contract
≈7.6 months of supply
11 closed here in the last 12 months
For reference, this home is listed at $313,990 ($204/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,541 sq ft × $187–$205/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.
Keep looking
Similar homes for sale near Anabelle Island
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $313,990Momentum Realty · on market 349 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,077/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$13/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~19 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by ROUND TABLE REALTY · MLS # 2106819
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Market data · public records
Recent sales activity in Anabelle Island
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Anabelle Island neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$349,990
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$187
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Anabelle Island
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Builder
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The site is about 3 miles southwest of Anabelle Island.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 3 miles southeast of Anabelle Island.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Blue Rhino Propane Exchange 6 min
Dining
The Turmeric Kitchen 6 min
Shopping
Meant For Me Gifts 14 min
Parks
Camp Chowenwaw Park 8 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Lake AsburyAssigned elementary school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEA
Lake AsburyAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEB
ClayAssigned high school · Clay County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$343,990
2771 MONROE LAKES Terrace, Green Cove Springs
3 / 2 bd/ba · 1,541 sq ft · $223/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold May 2026
$303,990
2757 LAUREL FALLS Drive, Green Cove Springs
3 / 2 bd/ba · 1,541 sq ft · $197/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Mar 2026
$319,990
3009 MONROE LAKES Terrace, Green Cove Springs
4 / 2 bd/ba · 1,707 sq ft · $187/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Dec 2025
$349,990
2358 DALLAS CREEK Lane, Green Cove Springs
3 / 2 bd/ba · 1,707 sq ft · $205/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Jun 2026
$245,000
2629 WINDSOR LAKES Way, Green Cove Springs
3 / 2 bd/ba · 1,262 sq ft · $194/sq ft
Courtesy of TOP SOURCE REALTY LLC · View details →
Sold Jul 2026
$355,000
2765 LAUREL FALLS Drive, Green Cove Springs
4 / 2 bd/ba · 2,003 sq ft · $177/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Community 12-month median: $187/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,439 – $2,093/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$618 – −$29At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2770 MONROE LAKES Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $13/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,541 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,077/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 19, 2026)
Community market stats
realMLS closed sales, as of September 17, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2770 MONROE LAKES Terrace and when was it built?
Per the listing record, 2770 MONROE LAKES Terrace was built in 2025 and has 1,541 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2770 MONROE LAKES Terrace in?
2770 MONROE LAKES Terrace is in Anabelle Island in Green Cove Springs, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Anabelle Island from the same MLS data.
Does 2770 MONROE LAKES Terrace have an HOA, and how much are the dues?
The listing reports HOA dues of $13 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2770 MONROE LAKES Terrace differ from the current owner's?
The estimate on this page (about $3,077 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2770 MONROE LAKES Terrace in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 2770 MONROE LAKES Terrace in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
