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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 9, 2026·19 days on market

1279 Pirates Cove Lane

Fleming Island, FL 32003

$336,000sold priceListed at $325,000 · 103.4% of asking$161/sqftMLS# 2122822
4
Beds
2
Baths
2,082
Sq Ft
1996
Built
2
Garage
No
Pool
HOA $22/mo12,197 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Come See This Home and You Will Be Home! This move-in ready 4-bedroom, 2-bathroom home offers 2,082 square feet of comfortable living on an oversized cul-de-sac homesite in a fabulous location close to shopping, top-rated schools, and easy interstate access. Step inside to find beautiful hardwood floors, abundant natural light, and a neutral color palette that creates a warm and inviting atmosphere. The recently renovated kitchen is a standout, featuring granite countertops, newer appliances, and ample cabinet and counter space--perfect for everyday living and entertaining. A cozy fireplace anchors the main living area, adding charm and comfort. Both the kitchen and bathrooms have been tastefully updated, and the spacious primary suite includes a well-appointed bathroom with double sinks, a separate soaking tub and shower, and generous under-sink storage. Enjoy Florida living outdoors in the private screened lanai overlooking the large, fenced...

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$1,861
Property taxesest. at asking price, Clay County$515
HOAbilled annually$22
Estimated total, before insurance$2,398/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,912/yr · $409/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

$336,000
$67,200
Loan Term
Monthly Payment
$1,861
Principal & Interest: $1,861
Property taxes (est.): $515
Insurance (est.): $224
Estimated Total Monthly
$2,600
*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 1996)

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

Solar potential: ~1,554 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

2025 property taxes (current owner): $4,912/yr

Estimated taxes if purchased at asking price: ~$6,200/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 10, 2026Closed$325,000
  • Apr 23, 2026Listed$325,000

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 $227/sq ft; this home is listed at $156/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1879 Harbor Island Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$365,000$1933/21,88810.1
1028 Creighton Road, Fleming Island, FL 32003Listed by DREES REALTYAug 2026$599,990$2324/32,5894130.2
1671 Dockside Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYAug 2026$399,000$2384/21,674760.2
1535 Blue Heron Court, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$420,000$2273/21,849121.2
2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORPAug 2026$346,225$2143/21,621491.3
2406 Elbow Road, Orange Park, FL 32073Listed by EXP REALTY LLCSep 2026$349,900$1434/32,439121.4

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$325,000
Price / Sq Ft$156
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,082
Acres0.28 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1279 Pirates Cove Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionHarbor Island
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size12,196.8 sq ft
Parcel Number44042601407500248

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchScreened
FencingFenced, Back Yard, Privacy, Wood
RoofShingle
ConstructionBrick
Road FrontageCity Street

Additional Information

Date ListedApril 23, 2026
Days on Market19
HOA Fees$260 / Annually
HOA FrequencyAnnually
Tax Amount$4,912.01
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: YOUR HOME SOLD GUARANTEED REALTY ADVISORS

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 Sep 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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