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Active

$515,0004 bd · 3.5 ba · 2,481 sq ft

Active·12 days on market

1968 Westend Place

Fleming Island, FL 32003

$515,000$208/sqftEst. $2,808/mo mortgageMLS# 2170959
Open house Sat, Nov 7 · 1:00 pm–3:00 pm
4
Beds
3.5
Baths
2,481
Sq Ft
2003
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $6/mo9,148 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

Welcome to this beautifully refreshed pool home in Fleming Island Plantation! Featuring 4 spacious bedrooms, 3.5 baths, and a 3-car garage, this home sits on a private lot with serene water-to-woods views. Recent improvements include fresh interior and exterior paint, giving the home a renewed look and feel. The oversized owner's suite offers a versatile sitting area or home office, plus an exceptionally large walk-in closet. The spacious kitchen features granite countertops, a breakfast bar, two pantry closets, and a breakfast nook overlooking the family room. Enjoy your private backyard oasis with an in-ground pool, slide, and covered patio, all backing to tranquil water and wooded preserve views. Located on the hospital power grid, this home is close to schools, shopping, dining, golf, and Fleming Island Plantation's desirable amenities, including community pools and a splash park. Enjoy the space, privacy, and lifestyle this wonderful home has to offer!

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$2,808
Property taxesest. at asking price, Clay County$789
HOAbilled annually$6
Estimated total, before insurance$3,603/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,220/yr · $685/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

$515,000
$103,000
Loan Term
Monthly Payment
$2,808
Principal & Interest: $2,808
Property taxes (est.): $789
Insurance (est.): $343
Estimated Total Monthly
$3,940
*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 D

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

Roof: Shingle — year not disclosed (home built 2003)

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: ~1,733 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, 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$435,939$385,217—
2024$430,716$380,716—
2023$425,678$425,678—
2022$342,272$204,173—
2021$288,310$196,770—
2020$270,639$193,363—

2025 property taxes (current owner): $8,220/yr

Estimated taxes if purchased at asking price: ~$9,500/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 (2025), NEFMLS.

History

Price & status history

  • Oct 26, 2026Listed$515,000

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 $215/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1516 Greenway Place, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$399,000$2084/21,916230.3
2325 Links Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORPSep 2026$565,000$2404/32,359160.4
1271 Fairway Village Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCOct 2026$440,000$2003/32,19560.6
1832 Chatham Village Drive, Fleming Island, FL 32003Listed by CAMELLIA REAL ESTATE LLCSep 2026$459,900$1843/32,5001350.6
1831 Cross Green Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$680,000$2154/3.53,1651270.7
1738 Oak Grove Circle, Green Cove Springs, FL 32043Listed by INI REALTYSep 2026$620,000$3033/2.52,0481060.9

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

Price$515,000
Price / Sq Ft$208
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,481
Acres0.21 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryThunderbolt, reported on 4 other Thornhill@ Fleming listings
MiddleGreen Cove Springs, reported on 4 other Thornhill@ Fleming listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1968 Westend Place, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionThornhill@ Fleming
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size9,147.6 sq ft
Parcel Number08052601426601923

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Protected Preserve
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryUpper Level
Spa FeaturesCommunity

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Frame, Stucco

Additional Information

Date ListedOctober 26, 2026
Days on Market12
HOA Fees$70 / Annually
HOA FrequencyAnnually
Tax Amount$8,219.92
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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11/7/2026

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