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Active

Active·4 days on market

1833 Bluebonnet Way

Fleming Island, FL 32003

$495,000$218/sqftEst. $2,621/moMLS# 2165570

Open house Sat, Sep 26 · 12:00 pm–2:00 pm

Beds

Baths

2,267

Sq Ft

1996

Built

Garage

Pool

FEMA Zone XHOA $182/mo11,761 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Welcome to Pace Island, a private gated community where this beautiful 4-bedroom, 3-bath home offers serene pond views and timeless elegance. The spacious interior features newly refinished hardwood floors in the main living areas, 10' ceilings, double crown molding, a wood-burning fireplace, and walls of windows overlooking the scenic pond. The coquina exterior adds classic Florida charm. The spacious owner's suite includes hardwood floors, and an ensuite bath. Custom closet systems are featured throughout the home. Enjoy outdoor living from the screened lanai and extended paver patio overlooking the treed backyard and pond. Additional features include a 2-car side-entry garage and extended driveway for extra parking. NEW ROOF and WATER HEATER 2026; HVAC 2018. Enjoy Pace Island's pools, playground, tennis courts, and jogging path, plus a community dock.

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$2,621

Property taxesest. at asking price, Clay County$759

HOAbilled monthly$182

Estimated total, before insurance$3,561/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,534/yr · $294/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

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,621

Principal & Interest: $2,621

Property taxes (est.): $759

Insurance (est.): $330

Estimated Total Monthly

$3,710

*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 D

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

Roof: Shingle — year not disclosed (home built 1996)

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: ~1,412 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 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): $3,534/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

History

Price & status history

Sep 19, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$218

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,267

Acres0.27 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1833 Bluebonnet Way, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionPace Island

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size11,761.2 sq ft

Parcel Number33042601319601012

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Jogging Path, Park, Playground, Security, Tennis Court(s)

Community FeaturesGated

UtilitiesCable Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchFront Porch, Patio, Rear Porch, Screened

RoofShingle

Road SurfacePaved

Additional Information

Date ListedSeptember 19, 2026

Days on Market5

HOA Fees$181.5 / Monthly

HOA FrequencyMonthly

Tax Amount$3,533.92

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · karenwentz@cbvfl.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.

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