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Active

Active·152 days on market

182 Malley Cove Lane

Fleming Island, FL 32003

$750,000$226/sqftEst. $3,992/moMLS# 2129622

Beds

Baths

3,316

Sq Ft

2006

Built

Garage

Pool

About this home

Fleming Island

**NO HOA OR CDD**OPEN CONCEPT**NEWLY REMODELED** Welcome home to this stunning retreat, where comfort meets elegance. This 5 bed/ 4 bath property features LVP FLOORING, a REMODELED KITCHEN, and a HUGE LOFT. The open concept floor plan of the main living spaces is perfect for hosting guests. This home features a family room space, a BREAKFAST NOOK that overlooks the SCREENED IN LANAI, and a 4th bathroom on the first floor, with its own private access to the patio. The living room features a large FIREPLACE. The kitchen features a wine cooler/rack, TONS OF CABINETRY, a center island, BUTLER PANTRY AREA, and QUARTZ COUNTERTOPS. The master en suite features TWO WALK IN CLOSETS, a soaking tub, and private access to the screened in lanai. The 5th bedroom could be used as a multi-purpose room such as a home office or gym. The 3 CAR GARAGE offers tons of storage space. Enjoy outdoor living on the patio that overlooks the HUGE BACKYARD. Don't miss this opportunity!

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,788

Principal & Interest: $3,788

Est. Taxes & Insurance: $947

Estimated Total Monthly

$4,736

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,992

Property taxesest. at asking price, Clay County$1,149

Estimated total, before insurance$5,141/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$704,629	$290,674	—
2024	$701,172	$281,775	—
2023	$724,532	$272,112	—
2022	$568,885	$262,731	—
2021	$433,923	$253,623	—
2020	$420,360	$249,431	—

2025 property taxes (current owner): $4,953/yr

Estimated taxes if purchased at asking price: ~$13,800/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,717 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 13, 2026Listed$750,000

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

Features

Price$750,000

Price / Sq Ft$226

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,316

Acres0.51 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address182 Malley Cove Lane, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionMetes & Bounds

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size22,215.6 sq ft

Lot Dimensions110 x 200.05

Parcel Number41052601520400302

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Laminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup