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Active

Active·5 days on market

2140 Blue Heron Cove Drive

Fleming Island, FL 32003

$505,000$217/sqftEst. $2,688/moMLS# 2153771

Beds

Baths

2,331

Sq Ft

2003

Built

Fleming Island

About this home

Turn-key home in Admiral's Inlet offering exceptional value and peace of mind with a rare assumable VA loan at 3.375%. Thoughtfully updated from top to bottom, this home delivers modern finishes, major system upgrades, and true move-in readiness. Inside, 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) that enhances natural light and indoor-outdoor flow. Major improvements have already been handled for you, including a new roof (2020), energy-efficient shaded windows (2022), and a new water heater (2025). A generator outlet adds additional convenience and preparedness. Enjoy added peace of mind with transferable roof warranty, termite bond/pest control membership, and window/sliding door parts warranties. With the right offer, sellers are also including a brand-new above-ground pool, perfect for

Cost to own

Mortgage calculator

Home Price

$505,000

Down Payment: 20%

$101,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,688

Principal & Interest: $2,688

Est. Taxes & Insurance: $672

Estimated Total Monthly

$3,360

*Estimates based on 30-year loan at 7% APR. 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$2,688

Property taxesest. at asking price, Clay County$778

HOAbilled monthly$50

Estimated total, before insurance$3,516/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	$385,848	$0	—

2025 property taxes (current owner): $2,972/yr

Estimated taxes if purchased at asking price: ~$9,300/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 921 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.

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 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 3, 2026Listed$505,000

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

Features

Price$505,000

Price / Sq Ft$217

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,331

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground

Is WaterfrontNo

Community Information

Address2140 Blue Heron Cove Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionAdmirals Inlet

CityFleming Island

CountyClay

StateFL

Zip Code32003

Parcel Number06052601424700133

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup