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Active

Active·6 days on market

1530 Rivertrace Drive

Fleming Island, FL 32003

$580,000$217/sqftEst. $3,087/moMLS# 2153389

Beds

Baths

2,676

Sq Ft

2001

Built

Garage

Pool

About this home

Fleming Island

If you're searching for a spacious 5-bedroom, 4-bath home with a private backyard on a quiet cul-de-sac, your search ends here. This beautifully updated home features a remodeled kitchen, an oversized screened lanai that's perfect for relaxing or hosting afternoon barbecues and an outdoor firepit to relax around. There are numerous recent improvements throughout. Many of the windows were replaced in May 2026, the primary shower was updated and the exterior was freshly painted in June 2026. The home also includes a Beehive smart sprinkler system for added convenience and efficiency. Located in the highly desirable waterfront golf course community of Eagle Harbor, residents enjoy an exceptional lifestyle with access to three community pools, pickleball and tennis courts, a clubhouse with a restaurant, a community dock, and boat and RV storage.

Cost to own

Mortgage calculator

Home Price

$580,000

Down Payment: 20%

$116,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,930

Principal & Interest: $2,930

Est. Taxes & Insurance: $732

Estimated Total Monthly

$3,662

*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$3,087

Property taxesest. at asking price, Clay County$889

HOAbilled annually$5

Estimated total, before insurance$3,981/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	$495,635	$239,376	—
2024	$489,414	$231,923	—
2023	$480,487	$223,712	—
2022	$398,456	$215,740	—
2021	$315,277	$208,000	—
2020	$303,674	$204,438	—

2025 property taxes (current owner): $5,989/yr

Estimated taxes if purchased at asking price: ~$10,700/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 D

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

Roof: Shingle — year not disclosed (home built 2001)

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: ~1,745 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

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 10, 2026Active$580,000

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

Features

Price$580,000

Price / Sq Ft$217

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,676

Total Structure Area3,589 sq ft

Acres0.33 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address1530 Rivertrace Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size14,374.8 sq ft

Parcel Number30042602126203168

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

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

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)