Anabelle Island

2812 Monroe Lakes Ter

Green Cove Springs, FL 32043
For Sale $289,900
Price cut $320,000 ↓ $30,100 (9.4%) Sep 15 · reduced 3×
3 bd · 2 ba · 1,514 sqft · Built 2024
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of LINDA STRICKLAND REALTY (lindastrickland@comcast.net). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Many Upgrades - Not your typical Builder Grade Home! Higher level roof elevation - level M, 10' ceilings in the common areas, Gutters and under drains out back, upgraded counter tops, cabinets and handles, irrigation system, pre-wired for security w/camera spots on back patio and right side of garage. This home has an open floor plan! Large Kitchen with space for a breakfast table and chairs! There is eat-at-counter too! Enjoy grill time just outside the sliding glass doors to the back patio! Property backs up to a wooded area! Split bedroom arrangement with Primary at the rear of the home. Primary Bedroom has large shelved walk-in closet and a private bath with large shower - Upgraded vanity and shower (tile and glass door). Custom window coverings from Select Blinds throughout the home. You'll love the oversized hall bathroom! Bedrooms 2 and 3 are good sized room with gracious sized closets! This 2-year-old home has barely been lived in and is in like new condition

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $10,147
$2,710/mo
Principal & interest$1,955
Property tax (est.)$246
Insurance (est.)$217
FHA MIP$128
HOA dues$13
CDD assessment$150
Cash to close: ~$10,147 down · MIP financed
VA
$0 down
$2,661/mo
Principal & interest$2,034
Property tax (est.)$246
Insurance (est.)$217
VA fee (financed)$0
HOA dues$13
CDD assessment$150
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $57,980
$2,220/mo
Principal & interest$1,593
Property tax (est.)$246
Insurance (est.)$217
PMI$0
HOA dues$13
CDD assessment$150
Cash to close: ~$57,980 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.51% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2024
Heated area1,514 sq ft
Lot size4,792 sq ft
Parcel (RE#)39-05-25-010097-011-68
Legal descriptionLOT 168 ANABELLE ISLAND PHASES

Valuation · 2025

Value

Just / Market
$300,000
Assessed
$268,043
Taxable
$268,043
2025 Property Tax
$4,035
Homestead Exemption
No

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$152 / Annually
CDD Assessment
$1,800 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2024-02-01 $305,900

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Anabelle Island? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Anabelle Island every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
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On the Market

Homes for Sale in Anabelle Island

Other active MLS listings in Anabelle Island.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 2812 Monroe Lakes Ter?
The zoned public schools for 2812 Monroe Lakes Ter in Anabelle Island are Swimming Pen Creek Elementary School (elementary), Lake Asbury Junior High School (middle), Fleming Island High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 2812 Monroe Lakes Ter?
The most recent annual property tax for 2812 Monroe Lakes Ter is about $4,035 (2025 tax year). Any CDD assessment is billed in addition.
Does 2812 Monroe Lakes Ter have a CDD fee?
Yes. 2812 Monroe Lakes Ter is in Anabelle Island, a Community Development District (CDD) with an assessment of approximately $1,800 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 2812 Monroe Lakes Ter?
Homes in Anabelle Island have an HOA fee of about $152 per year (based on recent MLS listings).
When did 2812 Monroe Lakes Ter last sell?
2812 Monroe Lakes Ter last sold on February 1, 2024 for $305,900. Full sale history is shown on this page.
How big is 2812 Monroe Lakes Ter?
2812 Monroe Lakes Ter is a 1,514 sq ft home built in 2024 in Anabelle Island, Clay County, FL.
What would the monthly payment be on 2812 Monroe Lakes Ter?
At about a 7.32% 30-year rate, the estimated monthly payment for 2812 Monroe Lakes Ter is roughly $2,220 with a conventional loan (20% down), $2,710 with FHA (3.5% down), or $2,661 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Anabelle Island HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.