Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 149
Pending

Pending·107 days on market

1952 Rose Mallow Lane

Fleming Island, FL 32003

$1,150,000$228/sqftEst. $6,370/mo mortgageMLS# 2145548
5
Beds
4.5
Baths
5,035
Sq Ft
2007
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $165/moWaterfrontSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fleming Island

Luxury opportunity in prestigious Pace Island! This custom-built 2007 estate offers resort-style living with a private pool, basketball court, lagoon views, and elegant finishes throughout. The sellers are highly motivated and have priced this home aggressively for an immediate sale. Currently in pre-foreclosure, this is your chance to secure one of Fleming Island's premier luxury homes before it's gone. Homes with these features, location, and value rarely become available. The sellers are reviewing all serious offers and are ready to make a deal. Don't wait for another buyer to beat you to it--schedule your private showing today and submit your strongest offer. This is one of the best luxury values in Northeast Florida!

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$6,370
Property taxesest. at asking price, Clay County$1,762
HOAbilled monthly$165
Estimated total, before insurance$8,297/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,150,000
$230,000
Loan Term
Monthly Payment
$6,370
Principal & Interest: $6,370
Property taxes (est.): $1,762
Insurance (est.): $767
Estimated Total Monthly
$8,899
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2007)

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: ~1,721 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

YearMarket valueTaxable valueChange
2025$976,408$723,771▼ $233,050
2024$1,203,068$702,666—
2023$1,138,753$680,744—
2022$1,016,203$659,461—
2021$819,338$638,798—
2020$794,675$629,288—

Estimated taxes if purchased at asking price: ~$21,100/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, 2026Pending$1,150,000
  • Jul 6, 2026Listed$1,150,000

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 $240/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1952 Rose Mallow Lane, Fleming Island, FL 32003Listed by LEE DANIELL REALTY, INCJun 2025$1,097,250$2315/4.54,75100
1943 Rose Mallow Lane, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$1,125,000$2405/4.54,696880.1
1947 Rose Mallow Lane, Fleming Island, FL 32003Listed by LEE DANIELL REALTY, INCJan 2026$884,900$2115/44,187230.1
2216 Salt Myrtle Lane, Fleming Island, FL 32003Listed by CHAD AND SANDY REAL ESTATE GROUPDec 2025$775,000$2094/3.53,716510.2
1859 Salt Myrtle Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$1,200,000$2687/4.54,47010.4
1317 South Shore Drive, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,845,000$4645/4.53,9771590.7

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$1,150,000
Price / Sq Ft$228
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage5,035
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUpdated/Remodeled
StatusPending
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Pool Cover
Is WaterfrontYes

School Information

ElementaryPaterson
MiddleGreen Cove Springs

Community Information

Address1952 Rose Mallow Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionPace Island
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number29042601319601619

Amenities

AmenitiesPool, Boat Dock, Children's Pool, Clubhouse, Gated, Jogging Path, Park, Playground, Security, Tennis Court(s)
UtilitiesCable Available, Cable Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Circular Driveway, Garage
ViewPond, Pool, Water
Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Freezer, Gas Cooktop, Microwave, Refrigerator, Wine Cooler
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryLower Level, Sink, Washer Hookup
Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)

Exterior

Patio / PorchCovered, Screened
FencingOther
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedJuly 6, 2026
Days on Market81
HOA Fees$165 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY 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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines