Bella Lago in Green Cove Springs

Bella Lago
Homes for Sale in Green Cove Springs, FL

All 420 homes for sale in Green Cove Springs, FL · median $384,900 · 424 homes for sale in 32043 · Clay County homes for sale

Community in Green Cove Springs · Clay County · ZIP 32043
Median sale $357K
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Photo courtesy of MATTAMY REAL ESTATE SERVICES · via realMLS

Built fromLive realMLS data2 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Bella Lago in Green Cove Springs, FL has 15 homes for sale and 11 pending, asking from $292,990 to $389,900 (median $338,990). Over the 12 months ending 2026-10-20, 47 recorded sales closed at a median of $356,990, $164 per square foot, a median 161 days on market, sellers accepting 93% of original asking (-7% versus the prior year). Homes listed or recently sold were built 2024–2026 with 35 new construction; 38 of 38 report an HOA (median $5/mo); 1 of the 38 geocoded homes sit in a FEMA special flood hazard zone (median elevation 92 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $5,370 ($4,780 with the full homestead exemption).

Last 30 days in Bella Lago: 3 new listings (median asking $339,990), 11 under contract right now, 6 closed sales (median $354,990). As of October 20, 2026, realMLS.

Live · Bella Lago Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$357K ▼
Median sold · 12 mo
down 6.7% vs the prior 12 months
-6.7% ▼
1-yr price change
n = 47 and 74 sales in the two windows
$164/sf
Sold $/sqft · 12 mo
peak $188 in 2024
92.9%
Sale vs ask
Clay median: 96.6%
Tempo
15.0mo
Supply
3 to 6 months is the balanced band
161days
Median DOM · closed
61 days at the 2024 low
42%
Under contract
Clay: 25% (462 of 1,867)
15 · 11
For sale · pending
live counts, refreshed twice daily
47
Sold · last 12 mo
10-yr average: about 51 a year
Ownership and context
19%
Owner-occupied · Bella Lago
40 of 210 parcels homesteaded (FL DOR 2025)
81%
Non-owner-occupied · Bella Lago
incl. 55% trust or LLC-held · 40% out-of-state
Track record · 2 years of records
94
Recorded sales · 2024-2025
median $357K · qualified sales on the county roll (FL DOR 2025)
2,193sqft
Median sold home size
12-mo windows, closed sales

Homes For Sale Right Now in Bella Lago

Live MLS inventory for Bella Lago. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Bella Lago listings as of 2026-10-20, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 15, 2026

Every home in Bella Lago's 105-home count was built in 2024, so this is a single-vintage community — pricing here is driven by floor plan, options, and lot rather than decades of deferred maintenance or remodeling. The median sale is $360,000, which works out to $168.15 per square foot against a median home size of 2,170 square feet.

The market here reads balanced on paper — 5.5 months of supply — but the underlying numbers tell a slower story: median days on market sits at 161, and prices are down 7.0% year over year. With 16 active listings against that 105-home base and 41 closings on record, sellers are not moving quickly, and buyers who show up with a clean offer and a realistic timeline have real room to negotiate.

Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Bella Lago Housing Pulse · Momentum Research · as of October 20, 2026

Bella Lago right now

🟢 Buyer-leaning market. 15.0 months of supply and 42% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 20, 2026. Confidence: Very High (26 active and pending listings, 47 closed sales in 12 months).

🟡 Off the recent peak. The trailing-12-month median ($357K) is down 6.7% from the prior 12 months ($382K).Momentum Research, record-level realMLS closed sales, 12-month windows ending October 20. Confidence: Very High (47 and 74 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 20, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Bella Lago market snapshot (as of October 20, 2026): the median sale price is about $357K ($164 per sq ft over the trailing 12 months of closed sales), a median 161 days on market for closed sales, and 15.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 7% from the prior 12 months, computed from record-level realMLS closed sales (47 closings in the current window).

In ZIP 32043 (Green Cove Springs), 1,123 homes closed in the last 12 months at a median of $336K ($183/sq ft), down 3.7% year over year, with a median 64 days on market. Right now 270 active and 114 pending listings put supply at about 4.6 months — a balanced market. See the live ZIP 32043 housing market and the Clay County market.

realMLS (Northeast Florida) sales records identify 166 homes in Bella Lago that have changed hands since 2024, built between 2023 and 2027 (median 2024), with a median living area of about 2,193 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 94 qualified sales in Bella Lago across 2024–2025 (53 in 2024, 41 in 2025), median $357,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Bella Lago: of 26 listing addresses checked against the FEMA National Flood Hazard Layer, 96% sit outside the FEMA Special Flood Hazard Area (Zone X); 4% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Green Cove Springs.

Bella Lago is a single-vintage new-construction community in Green Cove Springs — every one of its 105 homes was built in 2024, so condition variance here comes down to builder options and lot placement rather than renovation history.

Best for

  • Buyers who want new construction and are not bothered by a market still working out its resale pricing.
  • Buyers with room to negotiate on price and timeline, given the 161-day median days on market.
  • Buyers comfortable at or near the $360,000 median price for roughly 2,170 square feet.

Probably not for

  • Buyers who need a quick close in a fast-moving market — median days on market here runs to 161.
  • Buyers seeking an established community with a long resale history rather than a single 2024 vintage.
  • Sellers expecting last year's pricing — the community is down 7.0% year over year.

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending October 20 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($357K) IS the median in the snapshot above, and the move from 2025 ($382K) IS the -6.7% one-year change.

Windows contain 32 to 74 sales each (47 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Every sale since 2024 · price vs size
$0$200K$400K2k3k
153 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
How much local inventory is already under contract

42% of homes for sale in Bella Lago are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).

Lakes at Bella Lago Market Scorecard

Balanced

Lakes at Bella Lago is currently a balanced market. About 4.3 months of supply, a median asking price of $338,490, and homes go under contract in about 34 days.

4.3
Months supply
$338,490
Median list
$355,990
Median sold
$182
Per sqft
34
Days on mkt
16/10/45
Active/Pend/Sold

Typical home value in the 32043 ZIP is $344,671, about 13.7% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Bella Lago

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

The takeaway

Everyday stops around Bella Lago are close: the nearest dining is about 9 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Nearby Communities

Explore more neighborhoods near Bella Lago with Momentum Realty’s local guides.

Cedar Creek0.6 mi away · 184 homes, built 2008–20Granary Park0.8 mi away · median $360K, 95 sales/12 moRolling Hills0.8 mi away · median $316K, 103 sales/12 moSandridge Hills1.3 mi away · median $368K, 23 sales/12 moSilver Creek1.3 mi away · median $288K, 24 sales/12 moCCCross Creek Landing1.3 mi away · 42 homes, built 2019–24

Browse all neighborhood guides →

Schools

In short
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Lake Asbury Elementary SchoolFLDOE grade B · Public PreK-6 (Clay)
  • Lake Asbury Junior High SchoolFLDOE grade A · Public 7-8 (Clay)
  • Clay High SchoolFLDOE grade B · Public 9-12 (Clay, Green Cove Springs)

Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Bella Lago address.

If we were buying in Bella Lago today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bella Lago.

Best Buy
Buyers who want a home built in 2024 with no renovation project ahead of them and are comfortable with a still-forming resale market.
Biggest Risk
Median days on market runs to 161 days, and price is down 7.0% year over year.
Sweet Spot
Buyers targeting the median profile — 2,170 sq. ft. near the $360,000 median.
Avoid If
You need a fast resale or a community with a long, established price track record.

A new-build community still finding its price

Bella Lago's amenity package — clubhouse, pool, children's pool, playground, park, and a jogging path — is reported across this community's MLS listings, so buyers should verify current amenities and access with the HOA rather than assume everything is finished or open. At a median 2,170 square feet, homes here run larger than a typical starter product, which lines up with the $168.15 per-square-foot pricing.

One number worth sitting with: homestead exemption filings cover about 17.6% of the community, useful context on how much of the inventory is currently filed as owner-occupied versus still working through a recent purchase, a second home, or a rental. Combined with a 161-day median days on market and a 7.0% year-over-year price pullback, this reads as a community still settling into its resale rhythm rather than one with an established, stable price floor.

“

The location and the amenities are priced into every listing in Bella Lago. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
2.9D · Buy Score
Recent Direction4.3/10
Liquidity & Demand0.0/10
Owner Commitment1.9/10
Pricing Power5.3/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (2.9). Basis: Recent Direction -6.7% year-over-year; Liquidity & Demand 15.0 months of supply; Owner Commitment 19% owner-occupied; Pricing Power 92.9% sale-to-list. Refreshed with each data update.

Why work with Momentum here

Buying or selling in a single-vintage, still-stabilizing community like Bella Lago means the comps are thin and the builder's original pricing still shapes what agents and appraisers reach for. Momentum tracks the 41 closings behind this community's numbers directly, so pricing conversations start from what has actually sold — not a builder's list price or a stale estimate — and we negotiate the 161-day market reality into the offer rather than around it.

Bella Lago in 15 seconds.

Best forBuyers who want a home built in 2024 with no renovation project ahead of them and are comfortable with a still-forming resale market.
Biggest advantageNew construction throughout — every home in the community was built in 2024.
Biggest riskMedian days on market runs to 161 days, and price is down 7.0% year over year.
Sweet spotBuyers targeting the median profile — 2,170 sq. ft. near the $360,000 median.
Avoid ifYou need a fast resale or a community with a long, established price track record.

What it really costs to own in Bella Lago

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $525/yr across 3 listings here (MLS tax records, 2026-10-20). Buy at today's median asking price of $338,990 and the first-year bill resets to about $4,500 with homestead (Clay County total millage 15.053 mills, FY2025-26, Clay County Property Appraiser, FY2025-26 adopted budget); municipal and district millage vary within the county.
HOA duesMLS listings here mostly enter dues as billed annually, but the median entry is only $65/year across 12 listings (2026-10-20), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues.
Home and flood insuranceThe average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 26 listing addresses checked against the FEMA flood map, 96% sit outside the high-risk zone and 4% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).
Roof and ageMedian build year 2026 across 12 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes.

Email me new listings in Bella Lago

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Bella Lago

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bella Lago will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Bella Lago homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Bella Lago.
In short
  • No CDD
  • HOA dues in listing data look inconsistent (~$65/year entered). Confirm current dues with the association

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Page states no CDD.

Flood & Insurance Context

Of 26 sampled listing addresses in this community: 96% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 4% in an A-series Special Flood Hazard Area zone.

Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.

Source: FEMA National Flood Hazard Layer, address-level lookups (n=26) · as of 2026-10

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bella Lago sales matched to your home.

What is your Bella Lago home worth?

Get a no-obligation home value based on real comparable sales in Bella Lago, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Green Cove Springs →

Real comps, not an automated estimate.

Recently off market in Bella Lago

Homes in Bella Lago that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 20 on record.

Bella Lago key facts
LocationGreen Cove Springs, Clay County, FL · ZIP 32043
Homes in the community88 (FL DOR 2025 assessment roll)
Years built2024–2024 (median 2024.0)
Typical living area1,844 sq ft (median)
Home types (current listings and sales)single-family 100%
Amenities listed by sellersPlayground, Clubhouse, Park, Jogging Path, Other, Children's Pool
Sale prices, last 12 months$356,990 median across 47 closed sales · $164 per sq ft · -6.7% vs the prior 12 months
Days on market (closed sales)161 median
For sale right now15 active, 11 pending · median asking $338,990 · 15.0 months of supply
Owner-occupied (homestead) share19%
Zoned public schoolsLake Asbury Elementary School (B, FLDOE 2025-26); Lake Asbury Junior High School (A, FLDOE 2025-26); Clay High School (B, FLDOE 2025-26)

Data as of October 20, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bella Lago key facts,” movewithmomentum.com/neighborhoods/lakes-at-bella-lago-green-cove-springs, data as of October 20, 2026.

Housing distress & ownership in Bella Lago, Green Cove Springs

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 20 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-10-19)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Just listed in Bella Lago

The newest homes for sale in Bella Lago right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS Oct 20, 2026. All new listings in this market.

Every Home for Sale in Lakes At Bella Lago Green Cove Springs Right Now (26)

All 26 active and pending Lakes At Bella Lago Green Cove Springs listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Frequently Asked Questions

What is the median home price in Bella Lago?
The median sale price in Bella Lago was $357K over the 12 months ending October 20, 2026 (47 closed sales, realMLS).
How long do homes in Bella Lago take to sell?
Homes that closed in the 12 months ending October 20, 2026 took a median 161 days on market (47 sales, realMLS).
Is Bella Lago a buyer's or seller's market right now?
As of October 20, 2026, Bella Lago leans toward buyers: 15.0 months of supply at the current sales pace (realMLS live counts).
What share of Bella Lago is owner-occupied?
19% of Bella Lago parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
What schools serve Bella Lago?
Bella Lago is served by Clay County Public Schools, typically Lake Asbury Elementary School, Lake Asbury Junior High School and Clay High School. Confirm the exact zoning by address with the district.
Who is the best real estate agent for Bella Lago?
The best agent for Bella Lago is one who actively works Green Cove Springs and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Bella Lago.
How do I find a top Green Cove Springs real estate agent who knows Bella Lago?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Bella Lago and the wider Green Cove Springs area.
Can Momentum Realty connect me with an agent for Bella Lago?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Bella Lago purchase or sale - no call center and no pressure.
Where is Bella Lago, and what county is it in?
Bella Lago is in Green Cove Springs, Clay County, FL, ZIP 32043. The community's center is about 5 miles northwest of the center of Green Cove Springs (straight-line).
How far is Bella Lago from downtown Jacksonville and the beach?
About 22 miles from downtown Jacksonville and about 27 miles from the Atlantic beach at Mickler's Landing (Ponte Vedra), both straight-line; driving distance is usually 15 to 30 percent more.
Is Bella Lago in a flood zone?
Partly. Of 26 homes we sampled in Bella Lago, 96% sit outside a FEMA Special Flood Hazard Area (Zone X) and 4% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is Bella Lago a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Bella Lago: the median sale price over the last 12 months was $357K (47 sales), about the same as the Green Cove Springs median of $357K; homes took a median 161 days to go under contract; the assessment roll counts 88 homes, 19% of them homesteaded (owner-occupied); listings report Lake Asbury Elementary School (B), Lake Asbury Junior High School (A), Clay High School (B) as the zoned schools, with FLDOE grades for 2025-26; supply is 15.0 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
Buyers who want new construction and are not bothered by a market still working out its resale pricing.Excellent fit
Buyers with room to negotiate on price and timeline, given the 161-day median days on market.Excellent fit
Buyers comfortable at or near the $360,000 median price for roughly 2,170 square feet.Excellent fit
Buyers who need a quick close in a fast-moving market — median days on market here runs to 161.Probably not
Buyers seeking an established community with a long resale history rather than a single 2024 vintage.Probably not
Sellers expecting last year's pricing — the community is down 7.0% year over year.Probably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 20, 2026)
Community market statsrealMLS closed sales, 12-month windows ending October 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32043))
Under-contract sharesrealMLS records, as of 2026-10-20
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2024 (153 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

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More on Bella Lago

Thinking of selling in Bella Lago? 47 recorded closings; median 161 days on market (window ending 2026-10-20). See the Clay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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