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Active Under Contract

$539,900Active Under Contract4 bd · 2.5 ba · 2,881 sq ft

Active Under Contract·100 days on market

1748 Royal Fern Lane

Fleming Island, FL 32003

$539,900$187/sqftEst. $2,944/mo mortgageMLS# 2157676
↓ $6,000 below original list
4
Beds
2.5
Baths
2,881
Sq Ft
1997
Built
2
Garage
No
Pool
FEMA Zone XHOA $200/mo10,542 sqft lotWaterfrontSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fleming Island

Enjoy peaceful water views and flexible living in gated Pace Island. With a downstairs primary suite, four bedrooms plus an office or optional fifth bedroom, and two full bathrooms plus a half bath, this home offers room for everyday living, working from home, and hosting guests. A heated and cooled sunroom provides flexible living space and opens to a screened lanai and paver patio overlooking the lake. Start your morning with water views or unwind outside in these inviting spaces for relaxing and entertaining. The interior features wide-plank Pergo flooring throughout, tile in wet areas, and no carpet. The kitchen features stainless steel appliances, while a tankless water heater, fenced yard, and attached two-car garage with epoxy flooring add everyday convenience. Pace Island amenities include community pools, tennis courts, walking trails, and a dock on Doctors Lake.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,944
Property taxesest. at asking price, Clay County$827
HOAbilled monthly$200
Estimated total, before insurance$3,971/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

$539,900
$107,980
Loan Term
Monthly Payment
$2,944
Principal & Interest: $2,944
Property taxes (est.): $827
Insurance (est.): $360
Estimated Total Monthly
$4,131
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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: Shingle — 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: ~1,754 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Nov 4, 2026Active Under Contract$539,900
  • Aug 27, 2026Price change$539,900−$6,000
  • Jul 30, 2026Listed$545,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $228/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1833 Bluebonnet Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$485,000$2144/32,267120.1
1908 Fox Glove Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$635,000$2554/32,489790.1
1734 Alps Court, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEOct 2026$550,000$1944/3.52,83840.3
1693 Tall Timber Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$380,000$1873/2.52,0301530.4
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23570.4
1703 Hunters Ridge Road, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$555,000$2754/2.52,01920.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$539,900
Price / Sq Ft$187
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,881
Acres0.24 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryPaterson
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address1748 Royal Fern Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionPace Island
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size10,541.52 sq ft
Parcel Number33042601319601353

Amenities

AmenitiesPool, Boat Dock, Park, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Freezer, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked
HeatingCentral, Heat Pump, Propane
CoolingCentral Air, Multi Units, Wall/Window Unit(s)
FireplaceYes
# of Fireplaces1
# of Stories2
LaundryLower Level
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Patio / PorchCovered, Rear Porch
FencingFenced
RoofShingle
ConstructionFrame, Stucco

Additional Information

Date ListedJuly 30, 2026
Days on Market100
HOA Fees$200 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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