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Pending

Pending·86 days on market

2489 Tall Cedars Road

Fleming Island, FL 32003

$449,900$186/sqftEst. $2,294/moMLS# 2144614

Beds

Baths

2,423

Sq Ft

2005

Built

Garage

Pool

About this home

Fleming Island

Welcome to this exceptionally well maintained, ALL BRICK, 4 bed / 3 bath home located in the Cypress Glen subdivision of Fleming Island Plantation's GOLF COURSE COMMUNITY! This versatile floorplan offers flex spaces as you enter the home. The upstairs bonus room (4th bedroom) includes a closet and full bath. Fully fenced backyard with a preserve view. This was a model home and is accented with wainscotting and crown molding. A few updates include: HVAC 2019, whole-house surge protector, kitchen countertops updated with Granite Transformations offering years of low maintenance and durability, newer appliances, and gutters. This is a fantastic location and neighborhood! Check out the amenities photos to see all this community has to offer. Walking distance to amenities and close to hospitals, ''A'' rated schools, and restaurants. Brand new roof to be installed prior to close with acceptable offer. **NO SUB TO OR CREATIVE FINANCING**

Cost to own

Mortgage calculator

Home Price

$449,900

Down Payment: 20%

$89,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $689

Insurance (est.): $300

Estimated Total Monthly

$3,283

*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$2,294

Property taxesest. at asking price, Clay County$689

HOAbilled annually$6

Estimated total, before insurance$2,989/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,183/yr · $182/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	$360,313	$0	—
2024	$360,481	$0	—
2023	$346,673	$0	—
2022	$311,686	$0	—
2021	$237,542	$91,791	—
2020	$226,749	$89,765	—

2025 property taxes (current owner): $2,183/yr

Estimated taxes if purchased at asking price: ~$8,300/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 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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2005)

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

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: ~1,719 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.

History

Price & status history

Jul 23, 2026Pending$449,900
May 11, 2026Listed$449,900

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

Features

Price$449,900

Price / Sq Ft$186

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,423

Acres0.17 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2489 Tall Cedars Road, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionFleming Island Plantation

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size7,405.2 sq ft

Parcel Number38052601426604315

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecuritySecurity System Leased