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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active Under Contract

$289,900Active Under Contract3 bd · 2.5 ba · 1,817 sq ft

Active Under Contract·45 days on market

1500 Calming Water Drive 1601

Fleming Island, FL 32003

$289,900$160/sqftEst. $1,581/mo mortgageMLS# 2166525
3
Beds
2.5
Baths
1,817
Sq Ft
2006
Built
1
Garage
No
Pool
FEMA Zone XHOA $255/moCondominium2 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

Looking for your next investment or forever home? This beautifully updated 3-bedroom, 2.5-bath home in the desirable Lake Ridge Villas North at Fleming Island Plantation offers comfort, style & low-maintenance living. The upgraded kitchen features quartz countertops & modern finishes & opens to the living & dining areas, creating an inviting space for entertaining & everyday living. The spacious floor plan includes a private primary suite, beautifully upgraded bathrooms & versatile upstairs loft. Enjoy resort-style living with access to community pools & splash areas, tennis & pickleball courts, basketball courts, playgrounds, walking & recreational areas & more! Conveniently located near shopping, dining, parks & everyday necessities, this move-in-ready home offers much more than a place to live-it offers the opportunity to enjoy the Fleming Island Plantation lifestyle. Come see everything this home & community have to offer! Schedule your showing & experience it for yourself!

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$1,581
Property taxesest. at asking price, Clay County$444
HOAbilled monthly$255
Estimated total, before insurance$2,280/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

$289,900
$57,980
Loan Term
Monthly Payment
$1,581
Principal & Interest: $1,581
Property taxes (est.): $444
Insurance (est.): $193
Estimated Total Monthly
$2,218
*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: Shingle — year not disclosed (home built 2006)

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: ~1,735 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.

History

Price & status history

  • Oct 8, 2026Active Under Contract$289,900
  • Sep 25, 2026Listed$289,900

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 $144/sq ft; this home is listed at $160/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1500 Calming Water Drive 2501, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCJun 2026$230,000$1273/2.51,817190
1500 Calming Water Drive 1606, Fleming Island, FL 32003Listed by WATSON REALTY CORPAug 2026$250,000$1383/2.51,81790.1
1500 Calming Water Drive 3605, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$287,000$1713/2.51,67420.1
1500 Calming Water Drive 1403, Fleming Island, FL 32003Listed by JASON MITCHELL REAL ESTATE FLORIDA, LLC.Mar 2026$205,000$1373/2.51,4921270.1
1500 Calming Water Drive 4605, Fleming Island, FL 32003Listed by DJ & LINDSEY REAL ESTATEMar 2026$192,500$1492/2.51,296830.1
1500 Calming Water Drive 5605, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCSep 2026$186,000$1442/2.51,29670.2

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$289,900
Price / Sq Ft$160
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,817
Year Built2006
TypeResidential
Sub-TypeCondominium
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 1601, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionLake Ridge Villas North
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number08052601426604791

Amenities

AmenitiesPool, Children's Pool, Golf Course, Jogging Path, Management - Full Time, Playground, Tennis Court(s), Trash
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Smart Thermostat, Walk-In Closet(s)
AppliancesDisposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

RoofShingle
ConstructionFrame

Additional Information

Date ListedSeptember 25, 2026
Days on Market45
HOA Fees$255 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Trash
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, 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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