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Sold·Closed Sep 5, 2025·13 days on market
440 Segovia Drive
Fleming Island, FL 32003
About this home
Fleming Island
Open to the public, all bids and offers accepted! Amazing opportunity in Fleming Island! This charming 3-bedroom, 2-bath all-brick beauty is perfectly located just minutes from the St. Johns River, top notch shopping, dining, and more. Step inside to a grand, spacious kitchen full of storage and counter space ideal for cooking and entertaining. Relax on the inviting covered front porch beneath the shade of gorgeous mature trees, or unwind in the screened-in back patio overlooking a large, open backyard perfect for kids, pets, and endless outdoor fun. with great bones and ideal location you cant beat it! This home is ready for your vision to make your own. Home is being sold AS IS, Roof is 2022, AC is 2 yrs.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,126 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $333,748 | $333,748 | — |
| 2024 | $316,336 | $316,336 | — |
| 2023 | $310,965 | $310,965 | — |
| 2022 | $233,665 | $96,268 | — |
| 2021 | $185,772 | $92,008 | — |
| 2020 | $180,978 | $90,048 | — |
2024 property taxes (current owner): $5,108/yr
Estimated taxes if purchased at asking price: ~$5,100/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 (2025), NEFMLS.
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 $231/sq ft; this home is listed at $148/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 514 Los Palmas Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $451,000 | $209 | 4/2.5 | 2,156 | 24 | 0.1 |
| 4898 Raggedy Point Road, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $455,000 | $205 | 3/2 | 2,217 | 0 | 0.4 |
| 4718 Pine Avenue, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $405,000 | $181 | 3/2 | 2,234 | 6 | 0.4 |
| 423 Baybrook Drive, Fleming Island, FL 32003Listed by RE/MAX UNLIMITED | Jul 2026 | $390,000 | $266 | 3/2 | 1,468 | 45 | 0.5 |
| 1532 Silver Bell Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $455,000 | $231 | 4/2 | 1,969 | 14 | 0.7 |
| 1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLC | Aug 2026 | $575,000 | $254 | 4/3 | 2,264 | 28 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SMILEEHOUSE AUCTION CO 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 5, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines