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Sold

Sold·Closed Jul 16, 2026·14 days on market

1532 Silver Bell Lane

Fleming Island, FL 32003

$455,000sold priceListed at $455,000 · 100% of asking$231/sqftMLS# 2148739
4
Beds
2
Baths
1,969
Sq Ft
1996
Built
2
Garage
No
Pool
HOA $200/moWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Immaculate and well-maintained 4 bedroom, 2 bathroom home in the highly sought after Pace Island, the only manned guard-gated community in Fleming Island with no CDD fees. Located on a large corner lot, with a beautiful pond view, this home offers the perfect blend of privacy, convenience, and Florida lifestyle. Features include HVAC 2023, HWH 2024, New appliances including washer and dryer 2023, new gutters 2023, new garage door and motor, new fans, new doors, and new above ground propane tank. Split open floor plan with lots of natural light, beautiful hardwood floors and tile throughout. Custom built-in cabinets in the garage for extra storage. Amenities include two community pools, (one Olympic size), tennis and pickleball courts, basketball court, clubhouse, walking trails, community dock, playground, and beautiful preserve areas. Ideal location close to A-rated schools, shops, restaurants, hospitals, and NAS JAX.

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$2,520
Property taxesest. at asking price, Clay County$697
HOAbilled monthly$200
Estimated total, before insurance$3,418/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

$455,000
$91,000
Loan Term
Monthly Payment
$2,520
Principal & Interest: $2,520
Property taxes (est.): $697
Insurance (est.): $303
Estimated Total Monthly
$3,521
*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.

Cost to own

Taxes & assessment

Last sold: $460,000 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$377,033$326,311—
2024$371,958$321,958—
2023$343,866$294,397—
2022$291,125$267,634—
2021$243,304$243,304—
2020$238,719$238,719—

Estimated taxes if purchased at asking price: ~$8,400/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 17, 2026Closed$455,000

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 $228/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1908 Fox Glove Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$635,000$2554/32,489790.1
1522 Quail Wood Court, Fleming Island, FL 32003Listed by KALLAM REALTY GROUP PLLCSep 2026$391,000$1973/21,988780.3
1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLCAug 2026$575,000$2544/32,264280.3
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23570.4
1428 Green Turtle Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$405,000$1954/22,079120.4
4718 Pine Avenue, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$405,000$1813/22,23460.5

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$455,000
Price / Sq Ft$231
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,969
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address1532 Silver Bell Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionPace Island
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number33042601319600616

Amenities

AmenitiesBasketball Court, Boat Dock, Clubhouse, Jogging Path, Pickleball, Playground, Security, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
Security24 Hour Security, Gated with Guard

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
FencingBack Yard

Additional Information

Date ListedJune 4, 2026
Days on Market14
HOA Fees$200 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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 Jul 16, 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.

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20+ years · 500+ closings · NE Florida

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