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Sold

Sold·Closed Feb 19, 2026·61 days on market

1890 Copper Stone Drive B

Fleming Island, FL 32003

$280,000sold priceListed at $285,000 · 98.2% of asking$161/sqftMLS# 2119027
3
Beds
2
Baths
1,737
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $332/mo6,098 sqft lotWaterfrontTownhouse1 story

About this home

Fleming Island

Enjoy low-maintenance living in this one-story townhome with all the Eagle Harbor amenities! Located in the Stone Creek of Eagle Harbor community in the heart of desirable Fleming Island, this move-in-ready home offers brand new flooring and paint. With an open-concept living and dining space and a large primary suite with a spacious en-suite and closet, this home has it all! With a water view, enjoy grilling on your back porch in the fresh air and cool breezes. A spacious eat-in kitchen, indoor laundry, and 2 car garage give you tons of space. HVAC system only 4 years old and roof replaced in 2022! Located close to top-rated Clay county schools, restaurants and shops, the resort style amenities of Eagle Harbor (basketball, tennis, pickle ball, miles of trails for walking, running, or biking) making it easy to enjoy! With shopping, dining, and top-tier community amenities just minutes away, this property truly has it all.

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 quarterly$332
Estimated total, before insurance$2,312/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

$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 — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,732 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

YearMarket valueTaxable valueChange
2025$279,733$279,733—
2024$273,245$273,245—
2023$271,612$118,622—
2022$219,630$113,711—
2021$182,200$108,943—
2020$174,386$106,749—

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.

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 $168/sq ft; this home is listed at $164/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1880 Copper Stone Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$292,000$1683/21,737640
1840 Copper Stone Drive D, Fleming Island, FL 32003Listed by CROSSVIEW REALTYAug 2026$250,000$1233/2.52,0291830.1
1820 Copper Stone Drive D, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$280,000$1383/2.52,0294700.1
1830 Copper Stone Drive E, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$290,000$1673/21,7371900.1
1870 Copper Stone Drive F, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$295,000$2132/21,385680.1
2110 Stone Creek Drive B, Fleming Island, FL 32003Listed by INI REALTYSep 2026$295,000$1703/21,73730.2

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$285,000
Price / Sq Ft$164
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,737
Acres0.14 acres
Year Built2005
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address1890 Copper Stone Drive B, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionStone Creek
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size6,098.4 sq ft
Parcel Number09052601417600808

Amenities

AmenitiesBasketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Park, Playground, RV/Boat Storage, Tennis Court(s)
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionStucco

Additional Information

Date ListedNovember 21, 2025
Days on Market61
HOA Fees$996 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

Sold by: UNITED REAL ESTATE GALLERY (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 Feb 19, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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