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Active·Listed today

1500 Calming Water Drive 1601

Fleming Island, FL 32003

$289,900$160/sqftEst. $1,548/moMLS# 2166525
3
Beds
2.5
Baths
1,817
Sq Ft
2006
Built
1
Garage
No
Pool
FEMA Zone XHOA $255/moCondominium2 stories

About this home

Fleming Island

Looking for your next investment or forever home? This is a must-see ! Welcome to 1500 Calming Water Drive, Unit 1601, located in the desirable Lake Ridge Villas North at Fleming Island Plantation. This beautifully updated 3-bedroom, 2.5-bath home offers a perfect combination of comfort, style, and convenience. The upgraded kitchen features modern finishes and opens to the living and dining areas, creating a welcoming space for entertaining and everyday living. The spacious floor plan includes a private primary suite and beautifully upgraded bathrooms throughout. Enjoy the ease of low-maintenance living in a sought-after Fleming Island community with access to wonderful amenities, shopping, dining, parks, and top-rated schools nearby. This move-in-ready home offers the upgrades, location, and lifestyle you've been waiting for!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$1,548
Property taxesest. at asking price, Clay County$444
HOAbilled monthly$255
Estimated total, before insurance$2,247/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
$1,548
Principal & Interest: $1,548
Property taxes (est.): $444
Insurance (est.): $193
Estimated Total Monthly
$2,185
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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.

History

Price & status history

  • Sep 25, 2026Listed$289,900

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

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
# of Garages1
Has PoolNo
Is WaterfrontNo

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 Market0
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.

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.

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20+ years · 500+ closings · NE Florida

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