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Sold·Closed May 29, 2025·62 days on market

1008 Clay Street

Fleming Island, FL 32003

$348,000sold priceListed at $349,900 · 99.5% of asking$210/sqftMLS# 2072429
4
Beds
2
Baths
1,659
Sq Ft
2024
Built
2
Garage
No
Pool
No HOA7,405 sqft lotSingle Family Residence1 storyNew construction

About this home

Fleming Island

BRAND NEW CONSTRUCTION! Welcome home to this spacious 4-bedroom, 2-bath property, in the heart of Fleming Island. Tucked away on a quiet street nearby the water, with local boat ramps, and central to great shopping & dining! Step inside to find an open, spacious floorpan. The chef's kitchen is complete with: quartz countertops, white shaker cabinets, a spacious island, breakfast bar, and built in storage. The owner suite is spacious, features a walk-in closet with built-in storage and a gorgeous en-suite bathroom with an oversized walk-in tile shower, jack-and-jill style vanity, and a walk in closet. The property features 3 additional large bedrooms, open living area, and in-unit laundry room with built in storage as well. There is durable, vinyl plank flooring throughout the interior and plush carpet in the bedrooms.

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$1,928
Property taxesest. at asking price, Clay County$533
Estimated total, before insurance$2,461/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

$348,000
$69,600
Loan Term
Monthly Payment
$1,928
Principal & Interest: $1,928
Property taxes (est.): $533
Insurance (est.): $232
Estimated Total Monthly
$2,693
*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 2024)

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

Solar potential: ~1,694 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.

History

Price & status history

  • Feb 26, 2025Listed$349,900

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 $211/sq ft; this home is listed at $211/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
880 Clay Street, Fleming Island, FL 32003Listed by INI REALTYJun 2026$415,000$2364/21,75940.1
914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$440,000$2124/32,08080.2
1005 Hibernia Forest Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCJun 2026$313,000$1854/21,69290.2
1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTYOct 2026$360,000$2073/21,7421680.3
1352 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$362,990$1854/2.51,96580.4
1334 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$329,990$2113/2.51,566640.4

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$349,900
Price / Sq Ft$211
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,659
Acres0.17 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address1008 Clay Street, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionSection Land
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size7,405.2 sq ft
Parcel Number38052601481100000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchRear Porch
FencingWood
RoofShingle

Additional Information

Date ListedFebruary 26, 2025
Days on Market62
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: REAL BROKER LLC

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 May 29, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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