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Sold·Closed Jan 9, 2026·108 days on market

1500 Calming Water Drive 403

Fleming Island, FL 32003

$200,000sold priceListed at $219,000 · 91.3% of asking$134/sqftMLS# 2109419
3
Beds
2.5
Baths
1,492
Sq Ft
2004
Built
1
Garage
No
Pool
HOA $253/moCondominium2 stories

About this home

Fleming Island

Easy Living, Full of Amenities — Townhouse style condo in Fleming Island Plantation- Discover the perfect blend of comfort and convenience in this spacious 3-bedroom, 2.5-bath condo with a smart layout, stylish updates, and access to resort-style amenities, this home offers a low-maintenance lifestyle in one of Northeast Florida's most desirable communities. Step inside to find an open-concept living space filled with natural light, a modern kitchen with newer appliances. Upstairs the generously sized bedrooms provide privacy and comfort, while the partially fenced backyard and private patio offer space to relax or entertain. ✨ Recent updates include: • Newer roof, and water heater • New microwave and updated appliances • Remodeled guest bath upstairs • Newer LVP in the living/dining area. 📍 Prime location perks: Enjoy full access to Fleming Island Plantation's amenities-pools, tennis courts, walking trails

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$1,108
Property taxesest. at asking price, Clay County$306
HOAbilled monthly$253
Estimated total, before insurance$1,667/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,855/yr · $155/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

$200,000
$40,000
Loan Term
Monthly Payment
$1,108
Principal & Interest: $1,108
Property taxes (est.): $307
Insurance (est.): $133
Estimated Total Monthly
$1,548
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2004)

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

Solar potential: ~1,760 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2024$216,716$41,259—
2023$204,444$38,601—
2022$165,061$36,021—
2021$127,630$33,516—
2020$124,284$32,363—

2024 property taxes (current owner): $1,855/yr

Estimated taxes if purchased at asking price: ~$3,700/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 (2024), NEFMLS.

History

Price & status history

  • Sep 18, 2025Listed$219,000

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 $144/sq ft; this home is listed at $147/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1500 Calming Water Drive 5202, Fleming Island, FL 32003Listed by GIFFORD PROPERTIES & MANAGEMENT INCJul 2026$182,500$1412/2.51,296170
1500 Calming Water Drive 102, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYMay 2026$212,000$1642/2.51,296550
1500 Calming Water Drive 5405, Fleming Island, FL 32003Listed by EAGLES WORLD REALTY, INCMay 2026$182,500$1412/2.51,296120
1500 Calming Water Drive 702, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYMar 2026$192,000$1482/2.51,296310
1500 Calming Water Drive 5503, Fleming Island, FL 32003Listed by VILLAGE REALTYMar 2026$210,000$1413/2.51,4921720
1500 Calming Water Drive 5605, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCSep 2026$186,000$1442/2.51,29670.1

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$219,000
Price / Sq Ft$147
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,492
Total Structure Area1,864 sq ft
Year Built2004
TypeResidential
Sub-TypeCondominium
StyleVilla
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address1500 Calming Water Drive 403, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionLake Ridge Villas North
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number08052601426604721
ZoningMulti Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Off Site, Park, Pickleball, Playground, Security, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Guest, Shared Driveway

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup
SecurityEntry Phone/Intercom, Key Card Entry, Security Fence, Security Gate, Smoke Detector(s)

Exterior

Patio / PorchFront Porch, Patio
FencingOther, Vinyl
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 18, 2025
Days on Market108
HOA Fees$253 / Monthly
HOA FrequencyMonthly
HOA NameLake Ridge Villas North Association The CAM Team
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control
Tax Amount$1,854.76
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Sold by: NEXTHOME COLLINS REALTY (buyer's brokerage)

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 Jan 9, 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

Is this home priced right?

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