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Sold

Sold·Closed May 9, 2025·60 days on market

2903 Grande Oaks Way

Fleming Island, FL 32003

$689,900sold priceListed at $689,900 · 100% of asking$238/sqftMLS# 2069180
5
Beds
3
Baths
2,900
Sq Ft
2002
Built
2
Garage
Yes
Pool
HOA $53/mo15,682 sqft lotSingle Family Residence1 story

About this home

Fleming Island

*2.75% Assumable Loan!* Must-See this beautifully maintained 5-bedroom, 3-bathroom split floor plan pool home in the sought-after gated community of Margaret's Walk. This home boasts a spacious and open layout, featuring a gourmet eat-in kitchen with 42'' cabinets, a gas stove, new appliances, and a convenient breakfast bar. The home also includes formal living and dining rooms, a cozy family room, and soaring 10' tray ceilings. The owner's suite is a retreat of its own, with custom-designed wainscoting and valances, a luxurious bathroom featuring his-and-hers vanities, a garden tub, a private water closet, and a vaulted ceiling. Rest easy during storms with the included Generac generator. Step outside to the newly screened enclosure and enjoy the heated pool, perfect for year-round relaxation without the nuisance of Florida's bugs. The oversized two-car garage is a car enthusiast's dream, offering ample space to accommodate a classic car while leaving room for additional storage

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,821
Property taxesest. at asking price, Clay County$1,057
HOAbilled annually$53
Estimated total, before insurance$4,932/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,923/yr · $494/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$689,900
$137,980
Loan Term
Monthly Payment
$3,821
Principal & Interest: $3,821
Property taxes (est.): $1,057
Insurance (est.): $460
Estimated Total Monthly
$5,339
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2002)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,669 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.
  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,923/yr

Estimated taxes if purchased at asking price: ~$12,700/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Feb 7, 2025Listed$689,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $215/sq ft; this home is listed at $238/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1698 Margarets Walk Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$549,000$2154/32,55020.3
1819 Sentry Oak Court, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$480,000$2214/32,170130.3
1858 Sentry Oak Court, Fleming Island, FL 32003Listed by RE/MAX SPECIALISTSAug 2026$535,000$2114/32,530530.4
1787 Margarets Walk Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$730,000$2315/43,159250.4
1862 Sentry Oak Court, Fleming Island, FL 32003Listed by RE/MAX SPECIALISTSJul 2026$485,000$2134/32,272200.4
914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$440,000$2124/32,08080.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$689,900
Price / Sq Ft$238
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,900
Total Structure Area3,555 sq ft
Acres0.36 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Ranch
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated, Pool Sweep, Screen Enclosure, Waterfall
Is WaterfrontNo
Direction FacesSouthwest

School Information

ElementaryPaterson
MiddleGreen Cove Springs

Community Information

Address2903 Grande Oaks Way, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionMargarets Walk
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size15,681.6 sq ft
Parcel Number38052601426601638
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Gated, Golf Course, Jogging Path, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Exterior FeaturesCourtyard, Impact Windows
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingFenced, Back Yard, Full, Wood
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedFebruary 7, 2025
Days on Market60
HOA Fees$635 / Annually
HOA FrequencyAnnually
HOA NameMargaret's Walk
Tax Amount$5,923.44
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 9, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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