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2140 BLUE HERON COVE Drive, Fleming Island, FL, 32003

4beds
2baths
2,331sqft
$500,000
$215price/sqft
$3,630/moest. monthly cost
$145,200/yrincome needed

About This Home

Turn-key home in Admiral's Inlet offering a rare assumable VA loan at 3.375%. Thoughtfully updated from top to bottom, you'll find durable LVP flooring throughout (2024), a fully remodeled and re-piped primary bathroom (2024) featuring quartz countertops, new sinks, toilets, and updated lighting. The home also includes a new sliding glass door (2023). Major improvements have already been handled, including a new roof (2020), energy-efficient shaded windows (2022), and a new water heater (2025). A generator outlet is included for additional convenience and preparedness. This home comes with a transferable roof warranty, termite bond/pest control membership, and window/sliding door parts warranties. Located in the desirable Admiral's Inlet community just moments from Swimming Pen Creek. With only 41 homes, Admiral's Inlet is a small, close-knit community where neighbors know one another and there's a genuine sense of connection that's becoming increasingly rare. The area also offers a quiet residential setting with access to outdoor recreation, nearby waterways, parks, and everyday amenities. Photos include virtual staging. Furniture, decor, and accessories are not included with the property and are shown for visualization purposes only.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

9/10
8/10
Fleming Island High SchoolGrades PK,9-121.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2003

Materials

  • Roof: Shingle
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Oven,Electric Range,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,In Unit,Washer Hookup

Bathroom2

  • Area: 46.8234
  • Dimensions: 5.98 x 7.83

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Area: 132.4237
  • Dimensions: 10.21 x 12.97

Features

  • Breakfast Bar,Breakfast Nook,Ceiling Fan(s),Entrance Foyer,Kitchen Island,Open Floorplan,Primary Bathroom -Tub with Separate Shower,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,331 sqft

Laundry

  • Area: 45.9648
  • Dimensions: 8.96 x 5.13

Living Room

  • Area: 142.5403
  • Dimensions: 10.99 x 12.97

Master Bathroom

  • Area: 137.3886
  • Dimensions: 11.43 x 12.02

Property

Details

  • Parcel number: 06052601424700133
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Fencing: Back Yard,Full
  • Has view: Yes
  • View description: Pond
  • Has water view: Yes
  • Water view: Pond

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Lightning
Coastal Flooding
Hurricane
Heat Wave
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,528$30,336
Home Insurance *$348$4,176
Property Taxes $520$6,240
Electricity $234$2,815
Total$3,630$43,560
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$124,457/yr
40% on housing$108,900/yr
45% on housing$96,800/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 32003$232
Clay County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 32003$209
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-22Price change$500,000
2026-07-03Listed for sale$505,000
2026-06-30Listing removed--
2026-06-27Price change$505,000
2026-05-23Listed for sale$515,000
2020-03-02Sold$270,000
2020-02-19Pending sale$278,000
2020-01-01Price change$278,000
2019-10-23Price change$288,444
2019-08-17Listed for sale$300,000
2018-06-23Listing removed$1,850
2018-05-23Listed for rent$1,850
2017-04-21Listing removed$1,675
2017-04-11Listed for rent$1,675
2010-08-02Sold$182,500
2010-05-07Sold$109,344
2005-03-16Sold$238,000
2004-02-05Sold$195,000

For Sale by Agent

AgentJENNA BERLINGHOFF
BrokerageGAILEY ENTERPRISES LLC

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