Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 64

Active

Active·75 days on market

1523 Blue Heron Court

Fleming Island, FL 32003

$424,900$220/sqftEst. $2,250/moMLS# 2153778

↓ $5,100 below original list

Beds

Baths

1,931

Sq Ft

1997

Built

Garage

Pool

FEMA Zone XHOA $200/mo7,623 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Beautifully updated 4BR/2BA home offering 1,998 SF in the highly sought-after gated community of Pace Island! Move-in ready with wood flooring, fresh interior paint, a cozy fireplace, and stylish upgrades throughout. The kitchen features granite countertops, brand-new stainless steel appliances, a new range hood, and a stunning ceiling height designer tile backsplash. Additional updates include a new primary vanity, new plumbing fixtures, new ceiling fans in every room, updated lighting in the kitchen, breakfast area, dining room, and bathrooms, plus new exterior carriage lights. HVAC replaced in 2023. Enjoy the privacy of a fully fenced backyard. Pace Island offers 24-hour gated security, two pools, tennis and pickleball courts, walking trails, a clubhouse, playgrounds, and a private dock on Doctor's Lake. Convenient to top-rated Clay County schools, shopping, dining, and Jacksonville.

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$2,250

Property taxesest. at asking price, Clay County$651

HOAbilled monthly$200

Estimated total, before insurance$3,101/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,250

Principal & Interest: $2,250

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,185

*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: material not specified — year not disclosed (home built 1997)

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: ~1,405 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	$332,900	$322,900	—
2024	$328,799	$318,799	—
2023	$327,921	$317,921	—
2022	$277,299	$221,799	—
2021	$233,918	$109,893	—
2020	$227,014	$102,686	—

property taxes (current owner): $5,282/yr

Estimated taxes if purchased at asking price: ~$7,800/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

Jul 24, 2026Price change$424,900−$5,100
Jul 10, 2026Active$430,000

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

Features

Price$424,900

Price / Sq Ft$220

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,931

Total Structure Area2,580 sq ft

Acres0.18 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1523 Blue Heron Court, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionPace Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size7,623 sq ft

Parcel Number28042601319600907

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Gated, Jogging Path, Park, Playground

Community FeaturesSidewalks, Suburban, Street Lights, Gated, Curbs

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

SecuritySecurity Gate

Exterior

FencingBack Yard, Full

ConstructionStucco

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 10, 2026

Days on Market28

HOA Fees$200 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesSecurity

Tax Amount$5,282

Listing TermsCash, Conventional, FHA

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FUTURE REALTY GROUP, LLC. · Info@futurerealtygroup.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.

Keep looking

More homes in Pace Island

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 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines