Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 8
Active Under Contract

$205,000Active Under Contract2 bd · 2.5 ba · 1,296 sq ft

Active Under Contract·66 days on market

1500 Calming Water Drive 5902

Fleming Island, FL 32003

$205,000$158/sqftEst. $1,118/mo mortgageMLS# 2163467
2
Beds
2.5
Baths
1,296
Sq Ft
2004
Built
1
Garage
No
Pool
FEMA Zone XHOA $254/mo871 sqft lotTownhouse2 stories

See it this week

Want to walk through this home this week?

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

🏡 Brand new Luxury Vinyl Plank flooring and freshly painted. Turn key 2BR/2.5BA townhouse in desirable Fleming Island Plantation. Located in a quiet, gated community with pool and clubhouse. Enjoy resort-style amenities including 2 pools, pickleball, tennis, basketball, playground, and golf course. 1-car garage offers extra storage and convenience. Great location close to shopping, dining, and top amenities!

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$1,118
Property taxesest. at asking price, Clay County$314
HOAbilled monthly$254
Estimated total, before insurance$1,686/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,921/yr · $327/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$205,000
$41,000
Loan Term
Monthly Payment
$1,118
Principal & Interest: $1,118
Property taxes (est.): $314
Insurance (est.): $137
Estimated Total Monthly
$1,568
*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 E

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

Roof: material not specified — year not disclosed (home built 2004)

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: ~1,761 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.

As of September 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$196,439$165,037—
2024$191,146$150,034—
2023$180,343$136,395—
2022$145,677$123,996—
2021$112,724$112,724—
2020$109,789$109,789—

2025 property taxes (current owner): $3,921/yr

Estimated taxes if purchased at asking price: ~$3,800/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

  • Oct 31, 2026Active Under Contract$205,000
  • Oct 19, 2026Active$205,000
  • Oct 18, 2026Active Under Contract$205,000
  • Sep 4, 2026Listed$205,000

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 $148/sq ft; this home is listed at $158/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1500 Calming Water Drive 5805, Fleming Island, FL 32003Listed by MAZEN HOMES, INC.Jun 2026$210,000$1622/2.51,29660
1500 Calming Water Drive 102, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYMay 2026$212,000$1642/2.51,296550
1500 Calming Water Drive 5605, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCSep 2026$186,000$1442/2.51,29670.1
1500 Calming Water Drive 5202, Fleming Island, FL 32003Listed by GIFFORD PROPERTIES & MANAGEMENT INCJul 2026$182,500$1412/2.51,296170.1
1500 Calming Water Drive 5405, Fleming Island, FL 32003Listed by EAGLES WORLD REALTY, INCMay 2026$182,500$1412/2.51,296120.1
1500 Calming Water Drive 702, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYMar 2026$192,000$1482/2.51,296310.1

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$205,000
Price / Sq Ft$158
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,296
Acres0.02 acres
Year Built2004
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryThunderbolt, reported on 20 other Lake Ridge Villas North listings
MiddleGreen Cove Springs, reported on 22 other Lake Ridge Villas North listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1500 Calming Water Drive 5902, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionLake Ridge Villas North
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size871.2 sq ft
Parcel Number08052601426605050
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Attached, Garage, Garage Door Opener, Gated

Interior

Interior FeaturesButler Pantry, Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories2
LevelsTwo
LaundryUpper Level

Exterior

Patio / PorchPatio

Additional Information

Date ListedSeptember 4, 2026
Days on Market66
HOA Fees$254 / Monthly
HOA FrequencyMonthly
Tax Amount$3,921.47
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines