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Sold

Sold·Closed Feb 17, 2026·151 days on market

1558 Calming Water Drive

Fleming Island, FL 32003

$352,500sold priceListed at $364,500 · 96.7% of asking$206/sqftMLS# 2106033
3
Beds
2
Baths
1,714
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $6/mo6,098 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Welcome to this charming open-concept home featuring 3 bedrooms and 2 bathrooms! Enjoy cooking and entertaining in the beautiful kitchen with new stainless steel appliances, a breakfast bar, and a cozy breakfast nook overlooking the peaceful man-made lake. The kitchen seamlessly connects to the family room and dining area, making it perfect for gatherings.Step outside to your roof-covered patio, the ideal spot to relax or entertain while taking in serene lake views. The spacious Owner's Suite offers a large walk-in closet and a private bathroom with dual sinks, a relaxing soaking tub, and a separate shower.With all-new carpet, fresh paint throughout, and updated light fixtures, this home is move-in ready. Located in a gated community, you'll have peace of mind along with beautifully maintained surroundings.Best of all, living in the heart of Fleming Island means your landscaping is taken care of—leaving you more time to enjoy nearby restaurants, shopping, hospitals & schools.NEW HVAC

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$1,953
Property taxesest. at asking price, Clay County$540
HOAbilled annually$6
Estimated total, before insurance$2,499/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,586/yr · $549/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

$352,500
$70,500
Loan Term
Monthly Payment
$1,953
Principal & Interest: $1,953
Property taxes (est.): $540
Insurance (est.): $235
Estimated Total Monthly
$2,728
*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 2005)

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

Solar potential: ~1,787 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $6,586/yr

Estimated taxes if purchased at asking price: ~$6,500/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

  • Sep 2, 2025Listed$364,500

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 $220/sq ft; this home is listed at $213/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1783 Moss Creek Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYSep 2026$371,500$2204/21,688240.3
1417 Woodland View Drive, Fleming Island, FL 32003Listed by WEICHERT REALTORS THE COFFEY GROUPJul 2026$400,000$1964/2.52,04260.3
1766 Moss Creek Drive, Fleming Island, FL 32003Listed by NON MLS (realMLS)Jul 2026$375,000$2423/21,54800.3
1760 Moss Creek Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYJul 2026$395,000$2004/21,97210.3
1472 Greenway Place, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$380,000$2283/21,66610.3
2254 Eagle Talon Circle, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTYJul 2026$385,050$2183/21,763291

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$364,500
Price / Sq Ft$213
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,714
Acres0.14 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional, Villa
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address1558 Calming Water Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionFleming Island Plantation
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size6,098.4 sq ft
Parcel Number08052601426604154
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Gated, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, On Street
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 2, 2025
Days on Market151
HOA Fees$70 / Annually
HOA FrequencyAnnually
HOA NameFleming Island Plantation
HOA Fee IncludesMaintenance Grounds
Tax Amount$6,586.26
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Feb 17, 2026. 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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