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Active

Active·32 days on market

4665 Raggedy Point Road

Fleming Island, FL 32003

$2,000,000$492/sqftEst. $10,197/moMLS# 2137447

Beds

Baths

4,068

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

Fleming Island

Legacy on the St. Johns. Set on 3.5 acres with sweeping river frontage, this waterfront estate offers rare scale, privacy, and craftsmanship. The 4,068 SF main home opens through a columned portico into a 20' foyer and triple-arched gallery hall. A bow-windowed river room and study with gas fireplace and built-ins anchor the main level, alongside a chef's kitchen and master suite with double tray ceiling and spa bath. Elevator, 2025 roof, and windows throughout framing river views. Upstairs bonus room with morning kitchen and half bath offers flexible living. Screened pool and spa overlook the water; full dock package includes covered slip, boat lift, platform, and bulkhead. The 1,960 SF guest house with screened porch and two-car garage suits multigenerational living or extended stays. Minutes from Fleming Island's top schools, dining, and shopping -- privacy without isolation. Properties like this on the St. Johns rarely come to market.

Cost to own

Mortgage calculator

Home Price

$2,000,000

Down Payment: 20%

$400,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$10,197

Principal & Interest: $10,197

Property taxes (est.): $3,065

Insurance (est.): $1,333

Estimated Total Monthly

$14,596

*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$10,197

Property taxesest. at asking price, Clay County$3,065

Estimated total, before insurance$13,262/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,302/yr · $1,525/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,712,014	$1,142,420	—
2024	$1,697,480	$1,099,425	—
2023	$1,553,463	$1,053,146	—
2022	$1,311,158	$1,009,379	—
2021	$1,208,217	$970,067	—
2020	$1,173,679	$953,651	—

2025 property taxes (current owner): $18,302/yr

Estimated taxes if purchased at asking price: ~$36,800/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,255 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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

Jul 22, 2026Price change$2,000,000−$200,000
Jul 12, 2026Active Under Contract$2,200,000
Jul 3, 2026Listed$2,200,000

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

Features

Price$2,000,000

Price / Sq Ft$492

Bedrooms4

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage4,068

Acres3.50 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Direction FacesEast

Community Information

Address4665 Raggedy Point Road, Fleming Island, FL 32003

Area121-Fleming Island-NE

SubdivisionFleming Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size152,460 sq ft

Lot Dimensions100x1547

Parcel Number34042601310900000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener, Gated

ViewRiver

Waterfront TypeNavigable Water, No Fixed Bridges, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Sink

Window FeaturesSkylight(s)

Spa FeaturesIn Ground