Single Family Residence in Fleming Island Plantation · No CDD on record
Fleming Island Plantation · Fleming Island, FL 32003 · Clay County
Listing data updated October 1, 2026 · refreshed twice daily
Sold Aug 2026 · $460,000
4Bedrooms
3Bathrooms
2,423Sq Ft
2005Year Built
$190Per Sq Ft
No CDD on recordFEMA Zone X4 bedrooms
This home is sold. It closed on Aug 2026 for $460,000. This page is shown for reference and is no longer for sale.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
8% below
$/sq ft vs community
$190 here vs $206 median sold (12 mo)
Buyer leverage
Balanced market
4.6-month supply
4.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~8 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $460k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,423 sq ft
As of October 1, 2026, 2489 TALL CEDARS Road in Fleming Island Plantation, Fleming Island is listed at $460,000 (2,423 sq ft, about $190 per sq ft). That is 16% above Fleming Island Plantation's median closed sale of $395,000 over the last 12 months (33 recorded sales). Listing facts: built in 2005, HOA dues of $6/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2005 · 21 yrs
2,423 sq ft of living area
Listed at $460,000 — recent neighborhood median sale price ~$395,000 (nearby sales; deemed reliable, not an appraisal)
HOA $6/mo (per listing)
School district: Schools Fleming Island is served by the Clay County SchoolCommunity built 1972–2013Mojo Smokehouse · 3 min driveAldi · 4 min driveVillage Square · 4 min drive
Listing description
About this home
No listing description is available for this property.
Listing descriptions are screened for fair-housing and accuracy compliance before display.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$460,000
Bed / bath4 / 3
Living area2,423 sq ft
Year built2005
Property typeSingle Family Residence
MLS #2144614
Listing statusSold · Aug 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~8 ft
CountyClay
Area listings12 active · 4 under contract
Estimated first-year tax~$4,508/yr
CDD assessmentNone on record
HOA$6/mo
Calculated estimates
Price per sq ft$190
Estimated monthly payment$3,088
Insurance (illustrative)$2k–$4k/yr
Messtimate range$404,641 – $513,676
Comparable-sales median$395,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,088/mo
Principal & interest $2,518/mo82%
Taxes $376/mo12%
Insurance $188/mo6%
HOA $6/mo0%
$3,088/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,508/yr
Estimate: a typical Clay effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$6/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~8 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Fleming Island Plantation
Pricing & the Fleming Island Plantation market
How this home is priced against recent nearby sales, and where Fleming Island Plantation has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Fleming Island Plantation
Each dot is a closed sale since 2001 (1911 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $190/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 26 (cold).
Property timeline
This home’s history
2005BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $449,900
Aug 2026SoldClosed
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $460,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Fleming Island Plantation in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$520,000
2549 WHISPERING PINES Drive, Fleming Island
4 / 2.5 bd/ba · 2,451 sq ft · $212/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Dec 2025
$442,000
1630 MAJESTIC VIEW Lane, Fleming Island
4 / 3 bd/ba · 2,347 sq ft · $188/sq ft
Courtesy of REDFIN CORPORATION · View details →
Sold Dec 2025
$420,000
2506 WILLOW CREEK Drive, Fleming Island
4 / 3 bd/ba · 2,516 sq ft · $167/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Sold May 2026
$393,550
1798 COVINGTON Lane, Fleming Island
3 / 2 bd/ba · 2,591 sq ft · $152/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Apr 2026
$499,000
2430 TALL CEDARS Road, Fleming Island
3 / 2 bd/ba · 2,043 sq ft · $244/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jan 2026
$490,000
2012 BELLE GROVE Terrace, Fleming Island
4 / 3.5 bd/ba · 2,808 sq ft · $175/sq ft
Courtesy of REALTY ONE GROUP ELEVATE · View details →
Median of these 6 sales: $395,000 ($206/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$404,641the mess$513,676
Stronger local evidence — 6 comparable closed sales in Fleming Island Plantation, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $460,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $6/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
11 active listings competing, 4 under contract
≈4.6 months of supply
31 closed here in the last 12 months
For reference, this home is listed at $460,000 ($190/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,423 sq ft × $167–$212/sq ft (interquartile band of 6 comparable closed sales in Fleming Island Plantation, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
64/100
Strongest on: Flood safety (90), Market timing (74)
0 limited50100 exceptional
64/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area69
This home $190/sq ft vs the community 12-month median $206/sq ft.
Affordability23
List price $460,000 vs the community median $395,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2005 build. Obtain a property-specific quote.
Market liquidity60
Community median 32 days on market, ~4.6 months of supply (12-month record).
Pricing power57
Recent sales closed at about 96.6% of original asking (~3.4% below). More room below asking generally favors buyers.
Market timing74
Momentum Market Heat is 26/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $190 per square foot, about 8% below the community’s $206 median. Fleming Island Plantation’s 12-month median sold price per square foot is $206. Median sold price per square foot is down 13.2% year over year. Confidence: Very High · 33 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
64% of homes in Fleming Island Plantation are owner-occupied. An estimated 36% are non-owner-occupied, including 12% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 366 homes matched. Community-level context.
Recent Fleming Island Plantation sales closed near 96.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in Fleming Island Plantation, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Keep looking
Similar homes for sale near Fleming Island Plantation
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Infrastructure
Doctors Lake Drive milling and resurfacing underway
Crews began a milling and resurfacing project on Doctors Lake Drive from Peoria Road to Kingsley Avenue in early June. Both phases are expected to wrap in late 2026, with detours in place during the work, as part of a broader set of Clay County road improvements in the Fleming Island and Orange Park area.
Why it matters: Roadwork on a key Fleming Island route may cause near-term detours but improves a heavily used corridor once finished, with schedules subject to weather.
Fleming Island Medical Plaza on US-17 sells to Atlanta-based buyer
CBRE advised the sale of the 82,790-square-foot, two-building Fleming Island Medical Plaza at 4565 and 4575 U.S. Highway 17 to SG Property Services. The outpatient medical park, completed in 2010 and roughly 89% leased, sits between Baptist Medical Center Clay and HCA Florida Orange Park Hospital. Sellers were Accretiv Group and Lincoln Property Company.
Why it matters: Institutional interest in US-17 medical real estate may signal continued confidence in the corridor as an outpatient care hub, which could support surrounding commercial demand over time.
Parker's Kitchen planned for Creighton Road and US-17 corner
Parker's Kitchen, a Southern-inspired fuel and convenience concept, is planned for the southwest corner of Creighton Road and U.S. Highway 17. Plans call for a 5,204-square-foot store with fuel pumps and 51 parking spaces. The Fleming Island site is one of several the chain has targeted across Northeast Florida.
Why it matters: A new fuel-and-food anchor at a busy US-17 intersection could increase commercial activity at that node, though opening timing remained unconfirmed as of reporting.
Grumpy's Restaurant to open sixth location on East West Parkway
Grumpy's Restaurant plans to open a Fleming Island diner at 1803 East West Parkway in the former Dick's Wings & Grill space. The breakfast, brunch, and lunch concept will add a private room, a kids' game area, and a full-service bar. Opening is targeted for the second quarter of 2026.
Why it matters: A converted vacant restaurant space returning to use may help keep an established retail strip occupied, which could support nearby foot traffic.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Fleming Island Elementary SchoolPublic K-6 (Clay County) · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lakeside Junior High SchoolPublic 7-9 · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fleming Island High SchoolPublic 9-12 · Clay County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Aldi 4 min
Dining
Mojo Smokehouse 3 min
Shopping
Village Square 4 min
Parks
Thunderbolt Park 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2489 TALL CEDARS Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $6/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,423 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,508/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed twice daily (last: October 1, 2026)
Comparable sales
realMLS closed sales in Fleming Island Plantation, last 18 months, as of October 1, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2489 TALL CEDARS Road and when was it built?
Per the listing record, 2489 TALL CEDARS Road was built in 2005 and has 2,423 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2489 TALL CEDARS Road in?
2489 TALL CEDARS Road is in Fleming Island Plantation in Fleming Island, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2489 TALL CEDARS Road have an HOA, and how much are the dues?
The listing reports HOA dues of $6 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2489 TALL CEDARS Road differ from the current owner's?
The estimate on this page (about $4,508 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2489 TALL CEDARS Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 2489 TALL CEDARS Road in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and Katina Cahill, the listing agent, will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
