Single Family Residence in Pace Island, Fleming Island · No CDD · FEMA Zone X
Pace Island · Fleming Island, FL 32003 · Clay
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
3.5Bathrooms
3,137Sq Ft
1989Year Built
$252Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1989 · 37 yrs
3,137 sq ft of living area
2-car garage
$252/sq ft — compared with the displayed median of $200 from recent nearby sales
Listed at $790,000 — recent neighborhood median sale price ~$469,500 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: Fleming ZIP 32003 Amenities Two pools including an HOA HOA dues for the guard gate and County Clay County Florida Schools Clay County SchoolsCommunity built 1989–2007Mojo Smokehouse · 3 min driveAldi · 4 min driveVillage Square · 5 min drive
This listing is shown at $790,000, with 4 bedrooms and 3.5 bathrooms, and 3,137 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms3.5
Living area3,137 sq ft
Year built1989
Property typeSingle Family Residence
Financial
Est. monthly payment$5,227
Est. taxes / yr~$7,742
Est. insurance / yr~$4,944
HOA$50/mo
CDDNone on record
Price / sq ft$252
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~11 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$4,944/yr
Market
Days on market2
Neighborhood median DOM51
Active listings (area)4
Months of supply1.7
Comparable-sales median$469,500
This home2d
Area median51d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$4,944/yr
Estimated homeowners premium; get a real quote.
Months of supply
1.7 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
61/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$5,227/mo
Principal & interest $4,120/mo79%
Taxes $645/mo12%
Insurance $412/mo8%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
47/100
Strongest on: Flood safety (90), Market liquidity (69)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area0
This home $252/sq ft vs area median $200/sq ft from recent nearby sales.
Affordability0
List price $790,000 vs area median $469,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost61
From FEMA Zone X and a 1989 build. Obtain a property-specific quote.
Market liquidity69
Area median 51 days on market, ~1.7 months of supply.
Investment metrics68
Objective supply and demand metrics for the area - not investment advice.
Renovation upside42
From a 1989 build and $252/sq ft vs area $200/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$790,000
List price
As listed in the MLS
4 / 3.5
Bed / bath
Per the listing
3,137
Living area
Sq ft (approx.)
$252
Price / sq ft
List ÷ living area
The home
Year built1989
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$7,742/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~11 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $552,112 – $702,688
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.
$552,112the mess$702,688
Actual list price: $790,000 — 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, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 2 days on market vs. a ~51-day neighborhood median
4 active listings competing in Pace Island
5 under contract now
56% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈1.7 months of supply (one market-context metric; should not be used alone)
Median sale price is up 84% over the last 132 months
Homes here sell at about 100.0% of list price
29 closed here in the last 12 months
For reference, this home is listed at $790,000 ($252/sq ft) — a number set with analysis a Messtimate can't do.
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: 3,137 sq ft × $176–$224/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Pace Island market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
4Active listings
5Under contract
0New this month
1.7Months of supply
51Median days on market
56%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
1989BuiltPer public record
NowUnder contractCurrently pending
Build year is from public record. Listing 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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,621 – $5,267/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,711 – −$230At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$790,000
Bed / bath4 / 3.5
Living area3,137 sq ft
Year built1989
Property typeSingle Family Residence
MLS #2151826
Listing statusNew — 2 days on market
Days on market2
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
CountyClay
Estimated first-year tax~$7,742/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$252
Estimated monthly payment$5,227
Estimated insurance~$4,944/yr
Messtimate rangeNot available on this page
Comparable-sales median$469,500
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$5,227
Principal & interest$4,120
Property tax$645
Insurance$412
CDD assessment$0
HOA$50
PMI$0
Down payment $158,000 · Loan $632,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$7,742/yr
The seller likely pays less due to the homestead cap. At a $790,000 purchase, expect your first full-year Clay bill near $7,742 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$4,944/yr
Estimate for a 1989 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~11 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Pace Island
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Pace Island neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Median sale price (set)
$469,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$200
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$252
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Pace Island
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.
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 5 min
Parks
Park 5 min
In the area
Recent Pace Island news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Feb 2026 · Development
Maronda Homes concept for Old Hard Road draws Fleming Island review
A homebuilder submitted an early concept to a Clay County development review committee envisioning as many as 329 homes on about 63 acres along Old Hard Road in Fleming Island. The land is currently zoned residential agricultural, and the submission was described as a concept rather than an approved plan. Area residents at a related meeting raised concerns about traffic, environmental impact, and school capacity.
Why it matters: If the proposal advances, added density near Old Hard Road could influence traffic and nearby home values over time, though the project remained early-stage at the time of reporting.
New lane closures on County Road 220 add to Clay County construction
Fresh lane closures took effect in January 2026 on County Road 220, the corridor linking Fleming Island and Middleburg, near Henley Road in the growing Lake Asbury area. The closures added to a multi-year program of construction along one of the county's busiest roads, with crews working in multiple directions. Officials pointed residents to the county website for project updates.
Why it matters: Extended closures along CR 220 may continue to affect commute times and access for Fleming Island area drivers until the larger widening work is finished.
Parker's Kitchen proposes convenience store and fuel center on U.S. 17 in Fleming Island
The Savannah-based Parker's Kitchen chain filed a Clay County permit application for a roughly 5,204 square foot convenience store with fueling stations at U.S. 17 and Creighton Road in Fleming Island. The site sits on an undeveloped lot west of the St. Johns River, and the county's development review committee was scheduled to consider it. It would be one of several planned Northeast Florida locations for the chain.
Why it matters: A new fuel and convenience store along U.S. 17 could add a commercial amenity near the corridor, though permit-stage projects can change before any construction begins.
Clay County plans a new two-lane connector extending Radar Road on Fleming Island
Clay County announced plans to build a new two-lane roadway extending Radar Road to Town Center Boulevard at its existing traffic circle, with construction targeted to begin in late summer 2025. The project is designed to connect U.S. 17 to Town Center Boulevard and includes bike lanes, curbs and gutters, and drainage. The county hosted a public meeting at the Fleming Island Library to present the design.
Why it matters: A new connector to the Town Center area could improve local circulation on Fleming Island and, over time, may affect access patterns for nearby commercial and residential sites.
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.
Fleming Island Elementary (Clay)Public PreK-6 · Clay County School District
Lakeside Junior High (Clay)Public 7-9 · Clay County School District
Fleming Island High School (Clay)Public 9-12 · Clay County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$460,000
1896 BLUEBONNET Way, Fleming Island
4 / 3.5 bd/ba · 3,047 sq ft · $151/sq ft
Courtesy of SEFAIR INVESTMENTS, INC. · View details →
Median of the set: $200/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Pace Island
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome to this beautifully updated brick home in the gated Pace Island community of Fleming Island. This spacious residence situated on interior cul-de-sac of Pace Gardens, features extensive renovations, including a remodeled kitchen, breakfast nook, owner's bath, secondary bath, and powder room. Expansive 0.7 ac lot features majestic oak covered canopy, home to some of Florida's most beloved birds. Complete first floor luxury vinyl flooring welcomes you through the foyer and past the elegant staircase with solid oak wood treads. Formal living and dining rooms provide excellent entertaining space, while the family room and kitchen overlook a tranquil pond, offering beautiful water views and abundant natural light. A private first-floor guest suite with separate entrance is ideal for guests or multigenerational living. Upstairs, The owner's suite includes a sitting area with window view, His & Hers closets, a private office, and luxurious owners' bathroom remodeled. See More... Two additional upstairs bedrooms that share a full bath. There are 2 AC units & 2 hot water heaters, 1 each for upstairs & 1 each for downstairs. This home is located in one of Northeast Florida's most desirable communities. Pace Island offers exceptional amenities, including pools, tennis and pickleball courts, walking trails, playgrounds, community pier on Doctor's Lake, and 24-hour gated security. Conveniently located near top-rated schools, shopping, dining, and recreational opportunities. Enjoy the Fleming Island lifestyle in this move-in ready home.
Description provided by WATSON REALTY CORP and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms3.5
Living area3,137 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1989
Age37 yrs
Listing
MLS #2151826
StatusPending
Days on market2
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $790,000Momentum Realty · on market 2 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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
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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 a typical county millage rate to the list price 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.
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.
