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Active Under Contract

Active Under Contract·29 days on market

1575 Vineland Circle B

Fleming Island, FL 32003

$228,900$157/sqftEst. $1,212/moMLS# 2161663
3
Beds
2.5
Baths
1,460
Sq Ft
2005
Built
1
Garage
No
Pool
FEMA Zone XHOA $295/mo3,485 sqft lotTownhouse2 stories

About this home

Fleming Island

Welcome home to this charming 2 story, 3 bedroom, 2.5 bath townhome in Fleming Island! Step inside to a bright, updated interior featuring LVP flooring throughout the downstairs, with plush carpet on the stairs and throughout the second floor. The refreshed kitchen features stainless steel appliances and white shaker cabinets, while the updated bathrooms add a fresh, modern touch with designer vanities and lighting package throughout. An attached garage provides convenient parking and plenty of extra storage space. Out back, enjoy your own private courtyard with the space to grill, entertain, relax, or let the pets play! Conveniently located near shopping, dining, parks, walking and biking trails, golf, and Fleming Island's beautiful waterways, this home keeps everyday conveniences and outdoor fun close by.

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$1,212
Property taxesest. at asking price, Clay County$351
HOAbilled monthly$295
Estimated total, before insurance$1,858/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,937/yr · $411/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$228,900
$45,780
Loan Term
Monthly Payment
$1,212
Principal & Interest: $1,212
Property taxes (est.): $351
Insurance (est.): $153
Estimated Total Monthly
$1,716
*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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2005)

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: ~1,635 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 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

YearMarket valueTaxable valueChange
2025$221,043$221,043
2024$216,061$205,332
2023$214,897$186,666
2022$182,531$169,697
2021$154,270$154,270
2020$149,072$143,028

2025 property taxes (current owner): $4,937/yr

Estimated taxes if purchased at asking price: ~$4,200/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

  • Sep 4, 2026Active Under Contract$228,900
  • Aug 25, 2026Listed$228,900

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

Features

Price$228,900
Price / Sq Ft$157
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,460
Acres0.08 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address1575 Vineland Circle B, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionAutumn Glen
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size3,484.8 sq ft
Parcel Number16052601426603836
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Golf Course, Jogging Path, Playground
UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories2
LevelsMulti/Split, Two
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesCourtyard
Patio / PorchRear Porch
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedAugust 25, 2026
Days on Market10
HOA Fees$295 / Monthly
HOA FrequencyMonthly
Tax Amount$4,936.73
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FADER & CO REALTY LLC · ashdegidio@gmail.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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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