Active·75 days on market
2140 Blue Heron Cove Drive
Fleming Island, FL 32003
About this home
Fleming Island
Turn-key home in Admiral's Inlet offering a rare assumable VA loan at 3.375%. Thoughtfully updated from top to bottom, you'll find durable LVP flooring throughout (2024), a fully remodeled and re-piped primary bathroom (2024) featuring quartz countertops, new sinks, toilets, and updated lighting. The home also includes a new sliding glass door (2023). Major improvements have already been handled, including a new roof (2020), energy-efficient shaded windows (2022), and a new water heater (2025). A generator outlet is included for additional convenience and preparedness. This home comes with a transferable roof warranty, termite bond/pest control membership, and window/sliding door parts warranties. Located in the desirable Admiral's Inlet community just moments from Swimming Pen Creek. With only 41 homes, Admiral's Inlet is a small, close-knit community where neighbors know one another and there's a genuine sense of connection that's becoming increasingly rare. The area also offers a
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $385,848 | $0 | — |
| 2024 | $334,371 | $0 | — |
| 2023 | $327,594 | $0 | — |
| 2022 | $299,087 | $192,905 | — |
| 2021 | $267,440 | $185,831 | — |
| 2020 | $266,638 | $266,638 | — |
2025 property taxes (current owner): $2,972/yr
Estimated taxes if purchased at asking price: ~$9,000/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 — 2020 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: ~1,682 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 homeAs 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
- Sep 16, 2026Price change$489,900−$5,100
- Sep 2, 2026Price change$495,000−$5,000
- Jul 22, 2026Price change$500,000−$5,000
- Jul 3, 2026Listed$505,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GAILEY ENTERPRISES LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Admirals Inlet
Pending2125 Blue Heron CoveFleming Island, FL 32003
4 bd · 3 ba · 2,574 sq ft
$839,000Est. $4,466/moSet on 3.13 private acres in Fleming Island, this extensively updated waterfront home has 2,574 square feet with 4…
Listing Office: beycome of florida llc
For Sale11062 Riverport Drive WJacksonville, FL 32223
5 bd · 3.5 ba · 4,199 sq ft
$1,695,000Est. $9,022/moRARE 1.5 ACRE ST. JOHNS RIVERFRONT ESTATE - RESTORE OR BUILD NEW! Extraordinary opportunity on prime St. Johns River…
Listing Office: homecoin.com
Keep looking
Similar homes in Fleming Island
Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
9/20/2026
2:00 pm - 4:00 pm