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Sold

Sold·Closed Aug 5, 2026·2 days on market

1907 Rose Mallow Lane

Fleming Island, FL 32003

$790,000sold priceListed at $790,000 · 100% of asking$252/sqftMLS# 2151826
4
Beds
3.5
Baths
3,137
Sq Ft
1989
Built
2
Garage
No
Pool
FEMA Zone XHOA $200/mo0.73 acresSingle Family Residence2 stories

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,376
Property taxesest. at asking price, Clay County$1,211
HOAbilled monthly$200
Estimated total, before insurance$5,786/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,587/yr · $632/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

$790,000
$158,000
Loan Term
Monthly Payment
$4,376
Principal & Interest: $4,376
Property taxes (est.): $1,211
Insurance (est.): $527
Estimated Total Monthly
$6,113
*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.

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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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.

History

Price & status history

  • Aug 5, 2026Closed$790,000
  • 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.

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 $252/sq ft; this home is listed at $252/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1317 South Shore Drive, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,845,000$4645/4.53,9771590.6
1028 Creighton Road, Fleming Island, FL 32003Listed by DREES REALTYAug 2026$599,990$2324/32,5894130.9
1036 Creighton Road, Fleming Island, FL 32003Listed by NON MLS (realMLS)Jul 2026$757,000$2524/33,0021860.9
1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLCAug 2026$575,000$2544/32,264281
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23571.1
2250 Keaton Chase Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORPAug 2026$545,000$1994/32,7451191.2

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$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
StatusClosed
# 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)
Community FeaturesGated
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

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionCul-De-Sac, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionBrick

Additional Information

Date ListedJuly 6, 2026
Days on Market2
HOA Fees$200 / Monthly
HOA FrequencyMonthly
HOA NamePace Island Owners Association, Inc.
Tax Amount$7,586.67
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Aug 5, 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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