Active·216 days on market
182 Malley Cove Lane
Fleming Island, FL 32003
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
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 homeAs of July 2026, 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.
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines