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Sold

Sold·Closed Aug 11, 2026·88 days on market

1943 Rose Mallow Lane

Fleming Island, FL 32003

$1,125,000sold priceListed at $1,179,000 · 95.4% of asking$240/sqftMLS# 2139230
5
Beds
4.5
Baths
4,696
Sq Ft
1999
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $200/mo0.60 acresWaterfrontSingle Family Residence2 stories

About this home

Fleming Island

Luxurious executive pool home in the exclusive gated community of Pace Island, in the sought after neighborhood of Pace Gardens. Upgrades include travertine entry, designer gourmet kitchen with quartz countertops and Thermador stainless steel appliances. Gorgeous primary suite with updated primary bath with huge-walk in shower and marble countertops. No carpet in this home, only wide-plank wood floors, beautiful tile, and LVP in the upstairs bonus room. Beautiful covered lanai, summer kitchen, heated pool and spa all in a screened enclosure, plus a large outdoor patio with retractable awning and fire pit where you can watch the sunset over the lagoon. All 4.5 bathrooms updated. Tons of closet and storage space. Soaring overheight ceilings with extra wide crown molding. Enormous bonus room upstairs is perfect man cave or rec room for kids with its own full bathroom, kitchenette and a full-sized Murphy bed. In top-rated Fleming Island School District.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$6,231
Property taxesest. at asking price, Clay County$1,724
HOAbilled monthly$200
Estimated total, before insurance$8,155/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,790/yr · $816/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,125,000
$225,000
Loan Term
Monthly Payment
$6,231
Principal & Interest: $6,231
Property taxes (est.): $1,724
Insurance (est.): $750
Estimated Total Monthly
$8,705
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 A

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

Roof: Shingle — year not disclosed (home built 1999)

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

Solar potential: ~1,686 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$836,021$607,791—
2024$825,706$589,955—
2023$797,426$571,316—
2022$717,354$553,220—
2021$585,651$535,651—
2020$570,001$570,001—

2025 property taxes (current owner): $9,790/yr

Estimated taxes if purchased at asking price: ~$20,700/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.

History

Price & status history

  • Aug 11, 2026Closed$1,179,000
  • Jul 9, 2026Pending$1,179,000
  • Jul 2, 2026Listed$1,179,000

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

Closed sales

What sold nearby

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 $321/sq ft; this home is listed at $251/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1317 South Shore Drive, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,845,000$4645/4.53,9771590.6
1924 Holmes Circle, Fleming Island, FL 32003Listed by RE/MAX SPECIALISTSJun 2025$1,100,000$3235/43,4013180.6
1580 Sandy Springs Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$935,000$2544/3.53,67420.7
3110 Creighton Landing Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2025$1,100,000$3214/43,4303341.3
1831 Commodore Point Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$925,000$2305/54,02071.5
2468 Stoney Glen Drive, Fleming Island, FL 32003Listed by HARRIS REALTY PARTNERS LLCJul 2026$775,000$2245/43,457231.8

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.

Features

Price$1,179,000
Price / Sq Ft$251
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,696
Acres0.60 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure, Waterfall
Is WaterfrontYes

School Information

Community Information

Address1943 Rose Mallow Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionPace Gardens
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size26,136 sq ft
Parcel Number29042601319601604
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Maintenance Grounds, Management- On Site, Pickleball, Playground, Security, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Circular Driveway, Electric Vehicle Charging Station(s), Garage, Garage Door Opener
ViewPond, Trees/Woods
Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Range, Gas Water Heater, Ice Maker, Induction Cooktop, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Multi Units, Split System, Zoned
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level
Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Patio / PorchAwning(s), Screened
FencingFenced, Back Yard, Wrought Iron
RoofShingle
ConstructionStone Veneer, Stucco
Other StructuresOutdoor Kitchen
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 2, 2026
Days on Market88
HOA Fees$200 / Monthly
HOA FrequencyMonthly
HOA NamePace Island Owner's Assocation Inc.
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$9,789.54
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 11, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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