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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

$345,000Sold4 bd · 2 ba · 1,659 sq ft

Sold·Closed Oct 9, 2025·46 days on market

965 Florida Street

Fleming Island, FL 32003

$345,000sold priceListed at $338,900 · 101.8% of asking$208/sqftMLS# 2099219
4
Beds
2
Baths
1,659
Sq Ft
2025
Built
2
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Fleming Island

Are you in search of a new construction home priced under $350k, free of HOA and CDD fees? Prepare to be thrilled by this opportunity—without the burden of those additional costs, you could be saving an average of around $400 per month compared to other new construction homes! Plus, enjoy the benefits of energy efficiency, leading to even more savings. This stunning home, built in 2025, is move-in ready and features beautiful upgrades throughout that set it apart from typical spec homes. You'll find 42'' cabinets, elegant quartz countertops, and luxury vinyl plank flooring in every room. The bathrooms boast sleek, timeless finishes, complete with gorgeous tile in the showers. This residence is an ideal starter home or perfect for a family looking to upgrade. With four spacious bedrooms and two bathrooms, it offers ample space for modern comfort and style. The open-concept layout is enhanced by chic white shaker cabinets and quartz countertops, which elevate the kitchen's contemporary

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$1,881
Property taxesest. at asking price, Clay County$529
Estimated total, before insurance$2,410/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.

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 2025)

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

Solar potential: ~1,189 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

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 $207/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTYOct 2026$360,000$2073/21,7421680
1185 Floyd Street, Fleming Island, FL 32003Listed by RIVER CITY RENTALS AND REALTYOct 2026$310,000$1773/2.51,75200.1
1025 Floyd Street, Fleming Island, FL 32003Listed by MAXREV, LLCOct 2026$324,900$2193/21,48120.2
1352 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$362,990$1854/2.51,96580.3
1343 Fleming Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$351,990$1794/2.51,965320.3
1334 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLCAug 2026$329,990$2113/2.51,566640.3

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$338,900
Price / Sq Ft$204
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,659
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address965 Florida Street, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionSection Land
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number01492100001

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchPatio, Porch
FencingFenced, Back Yard, Full, Wood
RoofShingle
ConstructionOther
Road SurfaceGravel
Road FrontageUnimproved

Additional Information

Date ListedJuly 18, 2025
Days on Market46
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Sold by: THE PROPERTY PROS REALTY GROUP INC (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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 9, 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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