Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 65
Sold

Sold·Closed Jul 15, 2026·470 days on market

1820 Copper Stone Drive D

Fleming Island, FL 32003

$280,000sold priceListed at $275,000 · 101.8% of asking$138/sqftMLS# 2075653
3
Beds
2.5
Baths
2,029
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $425/mo4,356 sqft lotTownhouse2 stories

About this home

Fleming Island

!!!PRICE REDUCED!! Open House on Sunday 6/14/26 12 PM to 3 PM. Hosted by Robert Woods! Stop by and look at our wonderful Townhome with Eagle Harbor Amenities. 3 Bedrooms and 2.5 Bathrooms. Come see it and give me your option. I will have refreshments and cookies!!!! You will love this low maintenance home that has Eagle Harbor amenities. The floor plan is popular due to the Primary bedroom is located on 1 floor along with its own bathroom. The primary bath has dual sinks, garden tub, separate shower and oversized walk in closet. The first floor has a custom stone accent wall, gorgeous wood floors, Large kitchen with eat in area, and bay windows for lots of light. Enjoy your mornings and evenings on a screened porch especially in the great Florida weather.

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$1,551
Property taxesest. at asking price, Clay County$429
HOAbilled monthly$425
Estimated total, before insurance$2,405/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,326/yr · $110/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$280,000
$56,000
Loan Term
Monthly Payment
$1,551
Principal & Interest: $1,551
Property taxes (est.): $429
Insurance (est.): $187
Estimated Total Monthly
$2,167
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2005)

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

Solar potential: ~1,718 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $340,000 in May 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$312,803$76,341—
2024$305,434$146,927—
2023$303,602$141,192—
2022$246,469$135,624—
2021$203,850$130,218—
2020$194,942$127,730—

2024 property taxes (current owner): $1,326/yr

Estimated taxes if purchased at asking price: ~$5,100/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 (2025), NEFMLS.

History

Price & status history

  • Jul 15, 2026Closed$275,000

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 $167/sq ft; this home is listed at $136/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1830 Copper Stone Drive E, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$290,000$1673/21,7371900
1840 Copper Stone Drive D, Fleming Island, FL 32003Listed by CROSSVIEW REALTYAug 2026$250,000$1233/2.52,0291830.1
1880 Copper Stone Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$292,000$1683/21,737640.1
1890 Copper Stone Drive B, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYFeb 2026$280,000$1613/21,737610.1
2000 Copper Creek Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYOct 2025$305,333$1503/2.52,029600.2
2110 Stone Creek Drive B, Fleming Island, FL 32003Listed by INI REALTYSep 2026$295,000$1703/21,73730.3

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$275,000
Price / Sq Ft$136
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,029
Acres0.10 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPaterson
MiddleGreen Cove Springs
HighClay

Community Information

Address1820 Copper Stone Drive D, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionStone Creek
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size4,356 sq ft
Parcel Number09052601417600852
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl, Wood
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 2, 2026
Days on Market470
HOA Fees$425 / Monthly
HOA FrequencyMonthly
Tax Amount$1,325.72
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: WATSON REALTY CORP (buyer's brokerage)

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 Jul 15, 2026. 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines