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Active Under Contract

Active Under Contract·90 days on market

1565 Chain Fern Way

Fleming Island, FL 32003

$460,000$207/sqftEst. $2,436/moMLS# 2152352

↓ $5,000 below original list

Beds

Baths

2,227

Sq Ft

1994

Built

Garage

Pool

FEMA Zone XHOA $200/mo11,761 sqft lotSingle Family Residence1 story

About this home

Fleming Island

New ROOF Prior to Closing with accepted offer. Welcome to Pace Island, Fleming Island's only manned gated community. This beautifully maintained 4-bedroom, 2-bath brick home offers the perfect blend of comfort, style, and functionality. Inside, you'll find luxury vinyl plank flooring throughout, custom shiplap detailing surrounding the fireplace, updated lighting, and a thoughtfully designed split floor plan. The spacious primary suite is tucked away for added privacy, while the generously sized secondary bedrooms offer flexibility for guests, hobbies, a home office, or additional living space. The backyard extends well past the fenced area. Within the fenced portion, you'll find a dedicated grilling and entertaining space that's perfect for relaxing or hosting gatherings. The oversized backyard provides plenty of room to add a pool, with no rear neighbors behind

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,436

Property taxesest. at asking price, Clay County$705

HOAbilled monthly$200

Estimated total, before insurance$3,341/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,102/yr · $342/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

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,436

Principal & Interest: $2,436

Property taxes (est.): $705

Insurance (est.): $307

Estimated Total Monthly

$3,448

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 1994)

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: ~1,367 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

Year	Market value	Taxable value	Change
2025	$385,143	$234,912	—
2024	$380,364	$227,585	—
2023	$379,435	$219,500	—
2022	$321,985	$211,651	—
2021	$269,917	$204,031	—
2020	$261,858	$200,524	—

2025 property taxes (current owner): $4,102/yr

Estimated taxes if purchased at asking price: ~$8,500/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 25, 2026Active Under Contract$460,000
Aug 12, 2026Price change$460,000+$15,000
Jul 21, 2026Price change$445,000−$14,000
Jul 8, 2026Price change$459,000−$6,000
Jun 25, 2026Listed$465,000

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

Features

Price$460,000

Price / Sq Ft$207

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,227

Acres0.27 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1565 Chain Fern Way, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionPace Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size11,761.2 sq ft

Parcel Number28042601315300220

Amenities

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

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesSplit Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio

FencingBack Yard

RoofShingle

ConstructionBrick

Additional Information

Date ListedJune 25, 2026

Days on Market61

HOA Fees$200 / Monthly

HOA FrequencyMonthly

Tax Amount$4,102.28

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY · sarah.rothstein@floridanetworkrealty.com

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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