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Active·7 days on market

1556 Lakeway Drive

Fleming Island, FL 32003

$549,000$190/sqftEst. $3,041/moMLS# 2167597
5
Beds
4
Baths
2,890
Sq Ft
1997
Built
2
Garage
No
Pool
FEMA Zone XHOA $13/mo11,892 sqft lotWaterfrontSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fleming Island

Tucked away on a quiet cul-de-sac in one of Fleming Island's most desirable communities, this beautifully updated 5-bedroom, 4-bath home offers serene pond views and more than a quarter-acre of lot space to enjoy. Inside, is an open layout filled with natural light and features a cozy living area with a sleek fireplace. The well-equipped kitchen features generous prep and storage space, a large breakfast bar, and an island perfect for everyday living and entertaining. The layout continues with four bedrooms on the main level and a loft-style bedroom and full bath upstairs. The secondary bedrooms provide added flexibility for guests, hobbies, a home office, or multigenerational living. Relax in the spacious primary suite with a large ensuite bath with a soaking tub and separate shower. Adding even more appeal, recent updates include a newer roof, flooring, and refreshed bathrooms, while spray-foam insulation helps enhance energy efficiency. Step outside to the relaxing

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,041
Property taxesest. at asking price, Clay County$841
HOAbilled annually$13
Estimated total, before insurance$3,895/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,923/yr · $494/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

$549,000
$109,800
Loan Term
Monthly Payment
$3,041
Principal & Interest: $3,041
Property taxes (est.): $841
Insurance (est.): $366
Estimated Total Monthly
$4,248
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1997)

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: ~1,704 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 October 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 7:02 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,923/yr

Estimated taxes if purchased at asking price: ~$10,100/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

  • Oct 2, 2026Listed$549,000

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

Features

Price$549,000
Price / Sq Ft$190
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,890
Acres0.27 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

ElementaryFleming Island
MiddleLakeside

Community Information

Address1556 Lakeway Drive, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionLakeway
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size11,891.88 sq ft
Parcel Number29042602126201735
ZoningResidential

Amenities

AmenitiesOther, Clubhouse, Jogging Path, Playground
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Trees/Woods, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOther
# of Stories2

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedOctober 2, 2026
Days on Market3
HOA Fees$150 / Annually
HOA FrequencyAnnually
HOA NameLakeway at Eagle Harbor HOA
Tax Amount$5,923.09
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

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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