Sold·Closed Jun 30, 2026·40 days on market
2029 Cypress Bluff Court
Fleming Island, FL 32003
About this home
Fleming Island
ACCEPTING BACK-UP OFFERS. Situated in the heart of Fleming Island Plantation, this beautifully appointed 4-bedroom, 2-bath residence offers an exceptional blend of refined elegance, everyday comfort and peace of mind with its newer roof (2022), transferable HVAC maintenance contract and termite bond. The kitchen features rich granite countertops with a tile backsplash, 42'' cabinets and breakfast bar seating with an open sightline to the living area, perfect for entertaining guests or enjoying casual family gatherings. The spacious primary suite serves as a private retreat, highlighted by a large walk-in closet and a spa-inspired bathroom complete with dual vanities, a deep soaking tub, and a separate walk-in shower. Additional bedrooms provide flexibility for guests, a home office, or creative space. Step outside to the covered lanai and unwind in the fully fenced, tree-lined backyard
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone A — 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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,710 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $304,672 | $304,672 | — |
| 2024 | $303,333 | $278,415 | — |
| 2023 | $297,437 | $253,105 | — |
| 2022 | $259,753 | $230,096 | — |
| 2021 | $209,179 | $209,179 | — |
| 2020 | $202,935 | $202,935 | — |
2025 property taxes (current owner): $4,647/yr
Estimated taxes if purchased at asking price: ~$7,500/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 8, 2026Closed$419,900
- Apr 20, 2026Listed$419,900
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 $190/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1343 Fleming Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Aug 2026 | $351,990 | $179 | 4/2.5 | 1,965 | 32 | 0.3 |
| 1352 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Aug 2026 | $362,990 | $185 | 4/2.5 | 1,965 | 8 | 0.3 |
| 1334 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Aug 2026 | $329,990 | $211 | 3/2.5 | 1,566 | 64 | 0.3 |
| 2489 Tall Cedars Road, Fleming Island, FL 32003Listed by MOMENTUM REALTY | Aug 2026 | $460,000 | $190 | 4/3 | 2,423 | 32 | 0.3 |
| 1367 Fleming Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Jul 2026 | $354,990 | $181 | 4/2.5 | 1,965 | 24 | 0.3 |
| 1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTY | Oct 2026 | $360,000 | $207 | 3/2 | 1,742 | 168 | 0.6 |
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: MAXREV, 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.
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Krista Fracke
Broker Associate
This home sold on Jun 30, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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