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Pending

Pending·106 days on market

1858 Sentry Oak Court

Fleming Island, FL 32003

$548,900$217/sqftEst. $2,799/moMLS# 2130855

Beds

Baths

2,530

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Fleming Island

*VA ASSUMABLE LOAN @ 3.25%! YOU DO NOT NEED TO BE VA. JUST NEEED TO QUALIFY TO ASSUME LOAN & BRIDGE THE DIFFERENCE! BALANCE IS $425K Discover the perfect blend of luxury, comfort, and resort-style living in this beautiful pool home located in the exclusive community of Margaret's Walk. With private access to Fleming Island Plantation's premier amenities, this home offers an elevated lifestyle in one of Clay County's sought-after communities. Step inside to find four spacious bedrooms and three FULL baths, thoughtfully designed for both everyday living and effortless entertaining. The home showcases newer vinyl plank flooring throughout the main areas, creating a seamless, modern flow. At the heart of the home sits a modern, eat-in kitchen with a large breakfast bar, an abundance of cabinets and upgraded stainless appliances, perfect for hosting holidays and intimate gatherings. The light and bright kitchen overlooks a large family room with vaulted ceiling and lots of natural ligh

Cost to own

Mortgage calculator

Home Price

$548,900

Down Payment: 20%

$109,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,799

Principal & Interest: $2,799

Property taxes (est.): $841

Insurance (est.): $366

Estimated Total Monthly

$4,006

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,799

Property taxesest. at asking price, Clay County$841

HOAbilled annually$53

Estimated total, before insurance$3,692/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$454,166	$0	—
2024	$478,235	$0	—
2023	$464,965	$0	—
2022	$395,467	$0	—
2021	$291,011	$189,961	—
2020	$283,782	$186,648	—

Estimated taxes if purchased at asking price: ~$10,100/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.

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 2000)

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

Solar potential: ~1,685 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.

Features

Price$548,900

Price / Sq Ft$217

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,530

Acres0.26 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1858 Sentry Oak Court, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionMargarets Walk

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size11,325.6 sq ft

Parcel Number38052601426601510

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Golf Course, Jogging Path, Playground, Tennis Court(s)

UtilitiesNatural Gas Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup