Sold·Closed Aug 20, 2026·0 days on market
4898 Raggedy Point Road
Fleming Island, FL 32003
About this home
Fleming Island
Welcome to this meticulously maintained home situated on almost 1 acre, offering exceptional space, thoughtful updates, and endless versatility. Inside you'll find smooth ceilings, fresh paint, new LVP flooring, updated lighting, newer appliances, a walk-in pantry, two wood-burning fireplaces, and an enclosed Florida room with its own A/C for year-round enjoyment. Major improvements include a newer roof, A/C, water heater, well pump, updated breaker panel, whole-home water filtration system, and an 8-zone smart irrigation system supplied by an artesian well. Outside is an entertainer's dream with a fully fenced backyard, above-ground pool, refurbished deck, hot tub on concrete slab with 220V hookup, basketball pad, RV parking with 50/30/20 hookups, and a detached 2.5 garage/workshop. A rare opportunity to own a truly move-in-ready property loaded with upgrades! Owners are licensed Realtors
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 1977)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0043834 - Fleming Island WWTF - Clay County Utilities · Private well (public record)
County records show this parcel on central sewer served by FL0043834 - Fleming Island WWTF - Clay County Utilities — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,674 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 homeAs of August 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
2025 property taxes (current owner): $5,744/yr
Estimated taxes if purchased at asking price: ~$8,400/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.
History
Price & status history
- Aug 20, 2026Closed$450,000
- Aug 3, 2026Pending$450,000
- Aug 2, 2026Listed$450,000
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 $209/sq ft; this home is listed at $203/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4718 Pine Avenue, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $405,000 | $181 | 3/2 | 2,234 | 6 | 0.2 |
| 514 Los Palmas Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $451,000 | $209 | 4/2.5 | 2,156 | 24 | 0.4 |
| 1537 Maple Leaf Lane, Fleming Island, FL 32003Listed by DAVIDSON REALTY, INC. | Aug 2026 | $474,000 | $208 | 4/3 | 2,282 | 3 | 0.6 |
| 1734 Alps Court, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Oct 2026 | $550,000 | $194 | 4/3.5 | 2,838 | 4 | 0.7 |
| 1573 Chain Fern Way, Fleming Island, FL 32003Listed by WHOLESALE REALTY LLC | Aug 2026 | $575,000 | $254 | 4/3 | 2,264 | 28 | 0.7 |
| 128 Malley Cove Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $700,000 | $251 | 5/3 | 2,794 | 105 | 0.8 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 20, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
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