1500 Spruce Street

• • 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.

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.

• Oct 7, 2026Pending$190,000
• Oct 3, 2026Active Under Contract$190,000
• Sep 28, 2026Price change$190,000−$15,000
• Aug 20, 2026Price change$205,000−$14,000
• Aug 12, 2026Active$219,000
• Aug 3, 2026Pending$219,000
• Jul 31, 2026Active Under Contract$219,000
• Jul 28, 2026Price change$219,000−$10,500
• Jul 23, 2026Listed$229,500

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

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 $159/sq ft; this home is listed at $139/sq ft.

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.