Sold·Closed Jul 13, 2026·24 days on market
514 Los Palmas Drive
Fleming Island, FL 32003
About this home
Fleming Island
Nestled in the heart of sought-after Fleming Island, this beautiful 4-bedroom, 2.5-bath home offers the perfect blend of comfort, style, and outdoor living. Situated on an oversized lot with no HOA or CDD fees, this move-in-ready property features over 2,150 square feet of thoughtfully designed living space, including a desirable first-floor owner's suite and three spacious bedrooms upstairs. Upgrades include a 40-year architectural roof, remodeled primary bathroom and a stunning second-floor balcony., overlooking a wooded preserve. Outside, enjoy a massive backyard deck with built-in pool and hot-tub, dedicated RV parking, and a fully fenced yard complete with a custom playground area perfect for dogs, kids, and entertaining guests. Cozy evenings by the fireplace, ample parking with attached garage, plus top-rated Fleming Island schools nearby make this home a rare find. Conveniently located near shopping, dining, parks,this property delivers the Florida lifestyle buyer
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 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 1986)
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: ~1,071 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $422,284 | $338,196 | — |
| 2024 | $398,405 | $307,451 | — |
| 2023 | $390,319 | $279,501 | — |
| 2022 | $293,420 | $254,092 | — |
| 2021 | $230,993 | $230,993 | — |
| 2020 | $226,448 | $226,448 | — |
2025 property taxes (current owner): $6,044/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.
History
Price & status history
- Jul 13, 2026Price change$451,000−$24,000
- May 20, 2026Listed$475,000
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 $237/sq ft; this home is listed at $209/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4718 Pine Avenue, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $405,000 | $181 | 3/2 | 2,234 | 6 | 0.3 |
| 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 |
| 1908 Fox Glove Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $635,000 | $255 | 4/3 | 2,489 | 79 | 0.5 |
| 1532 Silver Bell Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $455,000 | $231 | 4/2 | 1,969 | 14 | 0.5 |
| 1924 Fox Glove Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $650,000 | $237 | 5/3 | 2,737 | 7 | 0.6 |
| 1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLC | Aug 2026 | $575,000 | $254 | 4/3 | 2,264 | 28 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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 13, 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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