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Active Under Contract

Active Under Contract·15 days on market

1698 Margarets Walk Road

Fleming Island, FL 32003

$549,000$215/sqftEst. $2,831/moMLS# 2157047

Beds

Baths

2,550

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Fleming Island

Located in the desirable gated community of Margarets Walk, this move-in-ready 4-bedroom, 3-bath pool home offers 2,550 square feet of living space, a private backyard, and numerous recent updates, including a new HVAC system (2024), refrigerator (2025), dishwasher and disposal (2025), chlorine pool pump (2025), and sprinkler control panel (2026). The desirable triple split-bedroom floor plan offers both privacy and functionality with convenient pool bath access, luxury vinyl plank flooring, and spacious living areas. A paver half-circle driveway provides extra parking and complements the courtyard-entry two-car garage with an automatic opener. The kitchen features 42-inch upper cabinets with decorative glass display doors and built-in wine storage, Corian countertops, double ovens, a double-basin sink, and an eat-in dining area. The spacious family room showcases a gas

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,831

Principal & Interest: $2,831

Property taxes (est.): $841

Insurance (est.): $366

Estimated Total Monthly

$4,038

*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$2,831

Property taxesest. at asking price, Clay County$841

HOAbilled annually$53

Estimated total, before insurance$3,725/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,273/yr · $689/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): $8,273/yr

Estimated taxes if purchased at asking price: ~$10,100/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 B

Zone B evacuates after zone A 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: ~1,734 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 26, 2026Active Under Contract$549,000
Jul 25, 2026Listed$549,000

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

Features

Price$549,000

Price / Sq Ft$215

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,550

Acres0.29 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Community Information

Address1698 Margarets Walk Road, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionMargarets Walk

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size12,632.4 sq ft

Parcel Number38052601426601605

Amenities

AmenitiesClubhouse, Fitness Center, Gated

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup