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Pending

Pending·28 days on market

1665 Vineland Circle B

Fleming Island, FL 32003

$235,000$158/sqftEst. $1,198/moMLS# 2152898
3
Beds
2
Baths
1,487
Sq Ft
2006
Built
1
Garage
No
Pool

About this home

Fleming Island

Seller offering $5,000 toward Buyers Closing Costs & Prepaids. Move right in and start enjoying this charming Fleming Island townhome. The kitchen, dining space, and living room all flow toward a screened patio with calming lagoon views. You're just minutes from local schools, the hospital, and all the shopping and conveniences you need. The kitchen offers newer stainless steel appliances. Crown Moulding downstairs, stylish wood-look tile downstairs and cozy carpeted bedrooms upstairs. HVAC 2022, Hot Water Heater 2025, Roof 2023. Washer and Dryer convey. See Seller Property Disclosure in Documents.

Cost to own

Mortgage calculator

$235,000
$47,000
Loan Term
Monthly Payment
$1,198
Principal & Interest: $1,198
Property taxes (est.): $360
Insurance (est.): $157
Estimated Total Monthly
$1,715
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,198
Property taxesest. at asking price, Clay County$360
HOAbilled monthly$295
Estimated total, before insurance$1,853/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,889/yr · $241/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).

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$228,546$76,232
2024$225,592$73,236
2023$222,059$69,501
2022$188,963$70,375
2021$161,138$66,855
2020$154,097$65,235

2025 property taxes (current owner): $2,889/yr

Estimated taxes if purchased at asking price: ~$4,300/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 E

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

Roof: Shingle — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,760 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

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.

History

Price & status history

  • Jul 26, 2026Pending$235,000
  • Jun 29, 2026Listed$235,000

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

Features

Price$235,000
Price / Sq Ft$158
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,487
Acres0.06 acres
Year Built2006
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusPending
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address1665 Vineland Circle B, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionAutumn Glen
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size2,613.6 sq ft
Parcel Number16052601426603874

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Golf Course, Jogging Path, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Upper Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedJune 29, 2026
Days on Market27
HOA Fees$295 / Monthly
HOA FrequencyMonthly
Tax Amount$2,889.37
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 by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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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