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Sold·Closed Aug 15, 2025·334 days on market

3110 Creighton Landing Road

Fleming Island, FL 32003

$1,100,000sold priceListed at $1,190,000 · 92.4% of asking$321/sqftMLS# 2041828
4
Beds
4
Baths
3,430
Sq Ft
1993
Built
2
Garage
Yes
Pool
HOA $25/mo0.59 acresWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Back on the Market as buyer could not perform. Welcome to your dream retreat on Doctors Lake! Whether you're an avid boater, fisher, kayaker, or simply enjoy peaceful sunsets by the pool, this stunning one-story home offers the ultimate Florida lifestyle. Situated on a sprawling half-acre+ lot with over 150 feet of bulkheaded frontage and an additional 122 feet along a tranquil canal. Enjoy panoramic views, serene mornings, and breathtaking sunsets, with manatees and dolphins making regular appearances. This spacious and functional layout with 4-bedroom, 4-bathroom home features an open-concept design that seamlessly blends indoor and outdoor living, flooding the space with natural light and maximizing the water views. As a bonus a flex space off the primary suite is ideal for a home office, gym, or private retreat. Host gatherings effortlessly with expansive living areas and multiple outdoor spaces, including a covered patio by the pool and a private dock seating area.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$6,093
Property taxesest. at asking price, Clay County$1,686
HOAbilled monthly$25
Estimated total, before insurance$7,804/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,100,000
$220,000
Loan Term
Monthly Payment
$6,093
Principal & Interest: $6,093
Property taxes (est.): $1,686
Insurance (est.): $733
Estimated Total Monthly
$8,512
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1993)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,710 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

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. 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.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $7,637/yr

Estimated taxes if purchased at asking price: ~$20,200/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, NEFMLS.

History

Price & status history

  • Jun 23, 2025Listed$1,190,000

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 $232/sq ft; this home is listed at $347/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1028 Creighton Road, Fleming Island, FL 32003Listed by DREES REALTYAug 2026$599,990$2324/32,5894130.3
1036 Creighton Road, Fleming Island, FL 32003Listed by NON MLS (realMLS)Jul 2026$757,000$2524/33,0021860.3
2406 Elbow Road, Orange Park, FL 32073Listed by EXP REALTY LLCSep 2026$349,900$1434/32,439121
970 Sandpiper Lane, Orange Park, FL 32073Listed by DISCOVER REALTY INCJun 2026$460,000$1734/32,653621.1
2320 Holly Leaf Lane, Orange Park, FL 32073Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$500,000$1824/32,742241.2
1907 Rose Mallow Lane, Fleming Island, FL 32003Listed by WATSON REALTY CORPAug 2026$790,000$2524/3.53,13721.3

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$1,190,000
Price / Sq Ft$347
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,430
Acres0.59 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontYes

School Information

ElementaryPaterson
MiddleLakeside

Community Information

Address3110 Creighton Landing Road, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionCreighton Forest
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size25,700.4 sq ft
Parcel Number44042601402800100
ZoningResidential

Amenities

AmenitiesBoat Dock
UtilitiesCable Available, Electricity Connected, Sewer Not Available
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAttached, Garage, Garage Door Opener
ViewRiver, Water

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Lot DescriptionSprinklers In Front, Sprinklers In Rear, Other
Patio / PorchCovered, Patio
RoofShingle
ConstructionFrame, Stucco
Other StructuresOutdoor Kitchen
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJune 23, 2025
Days on Market334
HOA Fees$25 / Monthly
HOA FrequencyMonthly
HOA NameCreighton Landing Dock Association
HOA Fee IncludesOther
Tax Amount$7,636.72
Tax Year2023
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 15, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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