Active·3 days on market
525 Hickory Drive
Fleming Island, FL 32003
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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
"SHORT SALE OPPORTUNITY IN FLEMING ISLAND! Spacious 3-bedroom, 2-bath home situated on almost an acre of land, offering plenty of room, privacy, and outdoor potential. With approximately 1,998 square feet of living space, this home provides a generous floor plan with plenty of opportunity to make it your own. Enjoy the Florida lifestyle with a screen-enclosed swimming pool, perfect for relaxing or entertaining year-round. The expansive lot provides space to enjoy the outdoors while still being conveniently located in the desirable Fleming Island area. This property presents an excellent opportunity for buyers looking for space, land, and a pool in a sought-after area.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from Clay County Utilities per the county inventory.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,740 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,553/yr
Estimated taxes if purchased at asking price: ~$7,800/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, NEFMLS.
History
Price & status history
- Oct 7, 2026Listed$425,000
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 $231/sq ft; this home is listed at $213/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2304 Emilys Way, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $603,000 | $245 | 4/3 | 2,460 | 57 | 0.3 |
| 408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $439,990 | $231 | 3/2 | 1,907 | 7 | 0.8 |
| 1832 Chatham Village Drive, Fleming Island, FL 32003Listed by CAMELLIA REAL ESTATE LLC | Sep 2026 | $459,900 | $184 | 3/3 | 2,500 | 135 | 0.8 |
| 2254 Eagle Talon Circle, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTY | Jul 2026 | $385,050 | $218 | 3/2 | 1,763 | 29 | 0.9 |
| 914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $440,000 | $212 | 4/3 | 2,080 | 8 | 1.2 |
| 2325 Links Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORP | Sep 2026 | $565,000 | $240 | 4/3 | 2,359 | 16 | 1.2 |
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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