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Pending

Pending·9 days on market

1907 Rose Mallow Lane

Fleming Island, FL 32003

$790,000$252/sqftEst. $4,205/moMLS# 2151826

Beds

Baths

3,137

Sq Ft

1989

Built

Garage

Pool

About this home

Fleming Island

Welcome to this beautifully updated brick home in the gated Pace Island community of Fleming Island. This spacious residence situated on interior cul-de-sac of Pace Gardens, features extensive renovations, including a remodeled kitchen, breakfast nook, owner's bath, secondary bath, and powder room. Expansive 0.7 ac lot features majestic oak covered canopy, home to some of Florida's most beloved birds. Complete first floor luxury vinyl flooring welcomes you through the foyer and past the elegant staircase with solid oak wood treads. Formal living and dining rooms provide excellent entertaining space, while the family room and kitchen overlook a tranquil pond, offering beautiful water views and abundant natural light. A private first-floor guest suite with separate entrance is ideal for guests or multigenerational living. Upstairs, The owner's suite includes a sitting area with window view, His & Hers closets, a private office, and luxurious owners' bathroom remodeled. See More...

Cost to own

Mortgage calculator

Home Price

$790,000

Down Payment: 20%

$158,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,991

Principal & Interest: $3,991

Est. Taxes & Insurance: $998

Estimated Total Monthly

$4,988

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$4,205

Property taxesest. at asking price, Clay County$1,211

HOAbilled monthly$200

Estimated total, before insurance$5,615/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$575,406	$463,362	—
2024	$567,824	$449,596	—
2023	$548,102	$435,045	—
2022	$470,918	$420,918	—
2021	$338,024	$338,024	—
2020	$329,003	$245,540	—

2025 property taxes (current owner): $7,587/yr

Estimated taxes if purchased at asking price: ~$14,500/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1989)

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

Solar potential: ~1,433 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 9, 2026Pending$790,000
Jul 6, 2026Listed$790,000

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

Features

Price$790,000

Price / Sq Ft$252

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,137

Acres0.73 acres

Year Built1989

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1907 Rose Mallow Lane, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionPace Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size31,798.8 sq ft

Parcel Number29042601315300385

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Gated, Jogging Path, Playground, Security, Tennis Court(s)

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard