Sold·Closed Jul 9, 2026·4 days on market
4745 Raggedy Point Road
Fleming Island, FL 32003
About this home
Fleming Island
ACCEPTING BACKUP OFFERS! RIVERFRONT! There's something about life on the water that just slows everything down in the best way--and this St. Johns River property in Fleming Island captures that feeling the moment you arrive. Down by the water, the setup is ready for serious river living. Your own dock with boat house and covered boat slip/lift along with a shared dock agreement, reducing maintenance and expenses. Complete with electricity, fridge, and TV--makes it easy to spend entire days (or nights) by the water. The 10,000 lb boat lift, fish cleaning station, and small boat ramp (perfect for jet skis, skiffs and kayaks) round out a space that's built for both fun and function. The dock was rebuilt in 2018, and the setting feels like a front-row seat to nature, with manatees and redfish often gliding by, osprey nesting right near the dock, deer and even peacocks making regular appearances. Set on 2.13 acres, this home isn't just a place to live, it's a little slice of everyday escape
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 1975)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,258 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 20 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 4 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 3 mi · St. Johns River
Closest grocery store
The Fresh Marketabout 4 mi · 12795 San Jose Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $901,720 | $549,924 | — |
| 2024 | $898,432 | $533,437 | — |
| 2023 | $770,402 | $526,153 | — |
| 2022 | $673,319 | $509,372 | — |
| 2021 | $636,933 | $493,080 | — |
| 2020 | $619,162 | $485,582 | — |
2025 property taxes (current owner): $8,907/yr
Estimated taxes if purchased at asking price: ~$22,600/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
- Jul 9, 2026Closed$1,250,000
- Apr 23, 2026Listed$1,250,000
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 $208/sq ft; this home is listed at $484/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4898 Raggedy Point Road, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $455,000 | $205 | 3/2 | 2,217 | 0 | 0.4 |
| 4718 Pine Avenue, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $405,000 | $181 | 3/2 | 2,234 | 6 | 0.5 |
| 1537 Maple Leaf Lane, Fleming Island, FL 32003Listed by DAVIDSON REALTY, INC. | Aug 2026 | $474,000 | $208 | 4/3 | 2,282 | 3 | 0.5 |
| 1693 Tall Timber Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $380,000 | $187 | 3/2.5 | 2,030 | 153 | 0.6 |
| 1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLC | Aug 2026 | $575,000 | $254 | 4/3 | 2,264 | 28 | 0.9 |
| 1535 Blue Heron Court, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $420,000 | $227 | 3/2 | 1,849 | 12 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Sold by: ERA ONETEAM REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 9, 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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