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Sold·Closed May 28, 2026·80 days on market
397 Fleming Drive
Fleming Island, FL 32003
About this home
Fleming Island
**New Roof on Home and Back Porch installed on 4/13/2026!** Welcome home to this beautifully updated brick pool home, perfectly positioned on an executive style lot just under half an acre (.48 acres) with no HOA or CDD. Priced below appraised value, this move-in-ready property features fresh interior paint, new vinyl flooring, newer vinyl windows and doors, and updated finishes throughout. Enjoy year-round living with a screen-enclosed pool and an impressive 564 sq ft glass-enclosed Florida room, ideal for entertaining or relaxing in comfort. The private backyard is a true retreat, enhanced by mature oak trees that provide shade and timeless Florida charm. Located in a highly desirable neighborhood featuring waterfront homes, this property offers space, privacy, and flexibility rarely found on the Island. A perfect blend of classic construction, thoughtful updates, and an unbeatable setting.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,427 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $272,524 | $84,943 | — |
| 2024 | $270,924 | $81,842 | — |
| 2023 | $267,944 | $78,002 | — |
| 2022 | $243,207 | $74,274 | — |
| 2021 | $188,918 | $70,655 | — |
| 2020 | $184,099 | $68,990 | — |
2025 property taxes (current owner): $1,815/yr
Estimated taxes if purchased at asking price: ~$8,100/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 $231/sq ft; this home is listed at $262/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 615 Hickory Drive, Fleming Island, FL 32003Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jun 2026 | $455,000 | $249 | 3/2 | 1,828 | 17 | 0.3 |
| 408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $439,990 | $231 | 3/2 | 1,907 | 7 | 0.6 |
| 2254 Eagle Talon Circle, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTY | Jul 2026 | $385,050 | $218 | 3/2 | 1,763 | 29 | 0.8 |
| 5651 Welaka Court, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $525,000 | $242 | 4/3 | 2,172 | 7 | 1.1 |
| 914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $440,000 | $212 | 4/3 | 2,080 | 8 | 1.3 |
| 1005 Hibernia Forest Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Jun 2026 | $313,000 | $185 | 4/2 | 1,692 | 9 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 28, 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
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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines