$469,9004 bd · 2 ba · 2,331 sq ft
Active·3 days on market
2140 Blue Heron Cove 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
NO CDDs! Water views, single-story living, and big-ticket updates done! This 2,331 sq ft, 4-bedroom, 2-bath home backs to a pond with a fountain in Admiral's Inlet, a 41-home Fleming Island community with low HOA dues. Inside, LVP flooring runs throughout (2024), and both baths were remodeled in 2024 with new tile, toilets, and fixtures: the primary was fully re-piped with a new double vanity and freestanding tub, and the second bath has a new tub, shower, and quartz countertop matching the kitchen. The open plan offers a quartz kitchen island, breakfast nook, wood-burning fireplace, and split bedrooms. Major items are handled: roof (2020, transferable warranty), energy-efficient windows (2022), sliding glass door (2023), and water heater (2025). Plus a generator inlet, termite bond, and window/door warranties. Relax on the patio in the fenced yard overlooking the water and wildlife. Assumable 3.375% VA loan available to qualified buyers. Minutes to Fleming Island shopping and dining.
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 — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,680 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 November 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.
Closest beach parking
Mickler's Landing Beachfront Parkabout 23 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 6 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 1 mi · Doctors Lake
Closest grocery store
Publixabout 7 mi · 6001 Argyle Forest Blvd, Jacksonville
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:48 AM, sunset 5:34 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $385,848 | $0 | — |
| 2024 | $334,371 | $0 | — |
| 2023 | $327,594 | $0 | — |
| 2022 | $299,087 | $192,905 | — |
| 2021 | $267,440 | $185,831 | — |
| 2020 | $266,638 | $266,638 | — |
2026 property taxes (current owner): $6,059/yr
Estimated taxes if purchased at asking price: ~$8,600/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
- Nov 6, 2026Listed$469,900
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 $294/sq ft; this home is listed at $202/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2125 Blue Heron Cove, Fleming Island, FL 32003Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $890,000 | $346 | 4/3 | 2,574 | 4 | 0.1 |
| 1850 Waterbury Lane, Fleming Island, FL 32003Listed by MILLER & COMPANY REAL ESTATE | Sep 2026 | $690,600 | $294 | 4/2.5 | 2,345 | 194 | 0.5 |
| 2109 Pebble Creek Lane, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Oct 2026 | $367,000 | $215 | 3/2 | 1,704 | 44 | 0.6 |
| 2388 Country Side Drive, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Oct 2026 | $560,000 | $193 | 3/2.5 | 2,899 | 5 | 0.6 |
| 1820 Waterbury Lane, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Nov 2026 | $815,000 | $301 | 4/2.5 | 2,706 | 4 | 0.7 |
| 2329 Side Wheel Court, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTY | Oct 2026 | $363,000 | $209 | 4/2 | 1,740 | 87 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD 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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Krista Fracke
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