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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 29, 2026·5 days on market

1588 Rivertrace Drive

Fleming Island, FL 32003

$645,000sold priceListed at $650,000 · 99.2% of asking$202/sqftMLS# 2147493
5
Beds
4
Baths
3,199
Sq Ft
2001
Built
2
Garage
No
Pool
HOA $5/mo9,583 sqft lotSingle Family Residence2 stories

About this home

Fleming Island

Completely renovated 5 bed 4 bath home in Eagle Harbor featuring beautiful landscaping and exceptional curb appeal. Inside you will find enhanced LVP floors throughout, upgraded lighting, plantation shutters in every room and thoughtful stylish details. The dream kitchen features quartz counters, designer appliances, tile backsplash, abundant cabinetry, and high-end finishes. A beautifully designed flex space includes built-in book shelves and a luxe wine bar complete with wine fridge and built in cabinetry - a perfect spot to host guests. Enjoy the view of the back garden and pond from the serene Florida room adding an additional 375 square feet of living space. Equipped with its own mini-split AC system, it is comfortable year-round. 4 bedrooms and 3 baths on main level. Upstairs, the bonus/5th bedroom provides endless possibilities. Enjoy the sought-after Eagle Harbor resort amenities including golf, 3 swim parks, tennis, pickle ball, multiple docks and playgrounds and so much more.

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$3,573
Property taxesest. at asking price, Clay County$988
HOAbilled annually$5
Estimated total, before insurance$4,566/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,827/yr · $486/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$645,000
$129,000
Loan Term
Monthly Payment
$3,573
Principal & Interest: $3,573
Property taxes (est.): $988
Insurance (est.): $430
Estimated Total Monthly
$4,991
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2001)

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

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

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

YearMarket valueTaxable valueChange
2025$517,822$228,747—
2024$510,940$221,593—
2023$501,171$213,683—
2022$414,644$206,003—
2021$326,016$198,547—
2020$313,530$195,116—

2025 property taxes (current owner): $5,827/yr

Estimated taxes if purchased at asking price: ~$11,900/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.

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 $217/sq ft; this home is listed at $203/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2250 Keaton Chase Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORPAug 2026$545,000$1994/32,7451190
1530 Rivertrace Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$580,000$2175/42,67690.2
1968 Lakeshore Drive N, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$675,000$2634/32,562120.3
1955 Guarded Way, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$470,000$2044/22,303400.6
2283 South Brook Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$695,000$2255/43,093110.6
1768 Eagle Watch Drive, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$550,000$1754/33,135250.6

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

Price$650,000
Price / Sq Ft$203
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,199
Acres0.22 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryFleming Island
MiddleLakeside

Community Information

Address1588 Rivertrace Drive, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size9,583.2 sq ft
Parcel Number30042602126203152

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)
UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Wine Cooler
HeatingCentral
CoolingCentral Air, Split System
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Glass Enclosed, Patio
FencingBack Yard
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedMay 28, 2026
Days on Market5
HOA Fees$60 / Annually
HOA FrequencyAnnually
Tax Amount$5,826.91
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 29, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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