43 days on market (MLS)Single Family Residence▼ Price cut: $6,000 (9/25)
$389,000
4-Bedroom Home in Anabelle Island
3062 Monroe Lakes Terrace, Green Cove Springs, FL 32043
Single Family Residence in Anabelle Island, Green Cove Springs · No CDD on record · Built 2024
Anabelle Island · Green Cove Springs, FL 32043 · Clay County
Listing data updated October 2, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,387Sq Ft
2024Year Built
$163Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% below
$/sq ft vs community
$163 here vs $187 median sold (12 mo)
Buyer leverage
Balanced market
43 days on market
5.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $389k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,387 sq ft
As of October 2, 2026, 3062 MONROE LAKES TERRACE Terrace in Anabelle Island, Green Cove Springs is listed at $389,000 (2,387 sq ft, about $163 per sq ft). That sits within a few percent of Anabelle Island's median closed sale of $349,990 over the last 12 months (13 recorded sales). Per square foot it is below the community's recent $187/sq ft by about 13%. It has been 43 days on market. Listing facts: built in 2024, 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
Built 2024 · 2 yrs
2,387 sq ft of living area
2-car garage
Listed at $389,000 — recent neighborhood median sale price ~$349,990 (nearby sales; deemed reliable, not an appraisal)
43 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
Listing description
About this home
Ready to move-in Today. 4 Bedrooms and 3 Bathrooms! Open floor plan, 2 stories and a large back yard; calling all families!!
The spacious the kitchen features, natural gas range, stainless steel appilances, 42 in upper cabinets and a pantry for extra storage. Anabelle Island residents enjoy a community pool, dog park, playground and clay county schools. Schedule your tour today.
All 23 photos
Description provided by FLORIDA HOMES REALTY & MTG LLC and reproduced from the MLS; not independently verified.
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$389,000
Bed / bath4 / 3
Living area2,387 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #2158409
Listing status43 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyClay
Area listings6 active · 3 under contract
Estimated first-year tax~$5,100/yr
CDD assessmentNone on record
HOA$13/mo
Calculated estimates
Price per sq ft$163
Estimated monthly payment$2,675
Insurance (illustrative)$1k–$2k/yr
Messtimate range$362,824 – $398,629
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
Financing
Estimated monthly payment
$2,675/mo
Principal & interest $2,129/mo80%
Taxes $425/mo16%
Insurance $108/mo4%
HOA $13/mo0%
$2,675/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $5,600/yr ($467/mo) — taxable value $372,814 × 15.05 mills
$500 less each year
(−9%)
The current taxable value ($372,814) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$372,814
Market value
$372,814
Assessed
$372,814
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$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
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~20 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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 (65 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 $163/sq ft.
Median sale price by year
12-month median closed price, 2023–2026.
Property timeline
This home’s history
2024BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 43 cumulative days on market as of October 2, 2026
Aug 20, 2026First seen on movewithmomentum.comObserved at $410,000
Sep 5, 2026Price cut$395,000 (-$15,000, -3.7%)
Sep 25, 2026Price cut$389,000 (-$6,000, -1.5%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $389,000Momentum Realty · on market 43 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Anabelle Island in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Apr 2026
$340,932
2917 MONROE LAKES Terrace, Green Cove Springs
4 / 3 bd/ba · 2,239 sq ft · $152/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Aug 2026
$365,000
2967 MONROE LAKES Terrace, Green Cove Springs
4 / 2 bd/ba · 2,239 sq ft · $163/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Sep 2026
$446,056
2567 WINDSOR LAKES Way, Green Cove Springs
5 / 3 bd/ba · 2,554 sq ft · $175/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold May 2026
$379,990
2859 MONROE LAKES Terrace, Green Cove Springs
4 / 3 bd/ba · 2,566 sq ft · $148/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Oct 2026
$405,990
2615 EDEN OAKS Cove, Green Cove Springs
4 / 3 bd/ba · 2,566 sq ft · $158/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Jun 2026
$442,000
2889 WINDSOR LAKES Way, Green Cove Springs
4 / 3 bd/ba · 2,654 sq ft · $167/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Median of these 6 sales: $349,990 ($187/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$362,824the mess$398,629
Stronger local evidence — 6 comparable closed sales in Anabelle Island, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $389,000 — 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 & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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: 43 days on market vs. a 44-day community median
5 active listings competing, 2 under contract
≈5.5 months of supply
14 closed here in the last 12 months
For reference, this home is listed at $389,000 ($163/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,387 sq ft × $152–$167/sq ft (interquartile band of 6 comparable closed sales in Anabelle Island, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 2, 2026.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Flood safety (95), Price vs area (82)
0 limited50100 exceptional
66/100 is solid, mid-pack 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 area82
This home $163/sq ft vs the community 12-month median $187/sq ft.
Affordability31
List price $389,000 vs the community median $349,990. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity49
Community median 44 days on market, ~5.5 months of supply (12-month record).
Pricing power56
Recent sales closed at about 96.7% of original asking (~3.3% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 5.5 months of supply in the surrounding market and 43 days on market for this home, against a 44-day area median.Days on market:this home 43Area 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 October 1, 2026.
🟡 Asking $163 per square foot, about 13% below 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 5.1% year over year. Confidence: Medium · 13 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 October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 6 active listings in Anabelle Island, no CDD assessment.
Updated October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FLORIDA HOMES REALTY & MTG LLC · MLS # 2158409
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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.
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.
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.
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 →
What's nearby
Drive times to everyday places
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
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3062 MONROE LAKES TERRACE Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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 2,387 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 $5,100/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−9%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 2, 2026)
Comparable sales
realMLS closed sales in Anabelle Island, last 18 months, as of October 1, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 3062 MONROE LAKES TERRACE Terrace and when was it built?
Per the listing record, 3062 MONROE LAKES TERRACE Terrace was built in 2024 and has 2,387 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3062 MONROE LAKES TERRACE Terrace in?
3062 MONROE LAKES TERRACE Terrace is in Anabelle Island in Green Cove Springs, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3062 MONROE LAKES TERRACE 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 3062 MONROE LAKES TERRACE Terrace differ from the current owner's?
The estimate on this page (about $5,100 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−9%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3062 MONROE LAKES TERRACE 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 3062 MONROE LAKES TERRACE 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
