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Active Under Contract

Active Under Contract·23 days on market

4718 Pine Avenue

Fleming Island, FL 32003

$400,000$179/sqftEst. $2,063/moMLS# 2155777

Beds

Baths

2,234

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

Fleming Island

**ACCEPTING BACKUP OFFERS** Welcome to this beautifully maintained 3-bedroom, 2-bath home in the heart of Fleming Island, featuring a flexible floor plan with a dedicated office, formal living and dining rooms, and a spacious family room with a cozy fireplace. The updated kitchen offers new cabinetry, stainless steel appliances, solid surface countertops, recessed lighting, a center island, breakfast bar, and breakfast nook overlooking the family room. The private primary suite includes a soaking tub and separate shower, while the split-bedroom layout provides added privacy. Relax year-round in the sunroom (an additional 200sf) or entertain on the expansive backyard patio with a retractable awning, and semi-in-ground pool. The garage features durable epoxy flooring, and a storage shed adds extra space. Conveniently located near NAS Jax, hospitals, top-rated schools, shopping, dining, parks, and everyday amenities.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,063

Principal & Interest: $2,063

Property taxes (est.): $613

Insurance (est.): $267

Estimated Total Monthly

$2,942

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,063

Property taxesest. at asking price, Clay County$613

Estimated total, before insurance$2,676/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,488/yr · $207/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

2025 property taxes (current owner): $2,488/yr

Estimated taxes if purchased at asking price: ~$7,400/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, 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 1993)

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: ~1,527 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 23, 2026Active Under Contract$400,000
Jul 17, 2026Active$400,000
Jul 16, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$179

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,234

Acres0.33 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesAbove Ground, Other

Is WaterfrontNo

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address4718 Pine Avenue, Fleming Island, FL 32003

Area121-Fleming Island-NE

SubdivisionPine Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size14,374.8 sq ft

Parcel Number33042601314200200

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)