Sold·Closed Aug 31, 2026·183 days on market
1840 Copper Stone Drive D
Fleming Island, FL 32003
About this home
Fleming Island
Townhome • Water views • Sunset views • Primary suite on main • Eagle Harbor amenities. This 3-bedroom, 2.5-bath townhome in Stone Creek at Eagle Harbor offers 2,029 square feet with pond views from the living room, primary suite, secondary bedroom, and screened lanai. West-facing exposure provides sunset views over the water. The main level features oversized 24-inch tile, high ceilings, crown molding, a dedicated laundry room with storage, and a half bath for guests. The first-floor primary suite includes a garden bath and oversized walk-in closet. Upstairs offers two additional bedrooms and extra storage. New roof installed in 2021. HOA covers exterior maintenance, lawn care, termite protection, and general exterior upkeep. Eagle Harbor amenities include three pools, pickleball, tennis, golf, clubhouse, playgrounds, and lakeside recreation. Near Fleming Island shopping, dining, NAS Jacksonville, and major roadways. Includes 3D virtual tour and floor plan.
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.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2021 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,724 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 homeAs of July 2026, 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.
Closest beach parking
Mickler's Landing Beachfront Parkabout 22 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 3 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 3 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 3 mi · St. Johns River
Closest youth league fields
Switzerland Point Parkabout 4 mi · Baseball, Football, Lacrosse, Softball, Track
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:30 AM, sunset 6:54 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $355,000 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $312,803 | $262,081 | — |
| 2024 | $305,434 | $255,434 | — |
| 2023 | $303,602 | $73,420 | — |
| 2022 | $246,469 | $69,826 | — |
| 2021 | $203,850 | $66,336 | — |
| 2020 | $194,942 | $64,730 | — |
2025 property taxes (current owner): $4,517/yr
Estimated taxes if purchased at asking price: ~$4,600/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
- Aug 31, 2026Closed$250,000
- Aug 1, 2026Pending$250,000
- Jul 23, 2026Active$250,000
- Jul 16, 2026Pending$250,000
- Jul 15, 2026Price change$250,000−$25,000
- Jan 23, 2026Listed$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 $123/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1830 Copper Stone Drive E, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $290,000 | $167 | 3/2 | 1,737 | 190 | 0 |
| 1880 Copper Stone Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $292,000 | $168 | 3/2 | 1,737 | 64 | 0.1 |
| 1820 Copper Stone Drive D, Fleming Island, FL 32003Listed by WATSON REALTY CORP | Jul 2026 | $280,000 | $138 | 3/2.5 | 2,029 | 470 | 0.1 |
| 1890 Copper Stone Drive B, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Feb 2026 | $280,000 | $161 | 3/2 | 1,737 | 61 | 0.1 |
| 2000 Copper Creek Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2025 | $305,333 | $150 | 3/2.5 | 2,029 | 60 | 0.1 |
| 2110 Stone Creek Drive B, Fleming Island, FL 32003Listed by INI REALTY | Sep 2026 | $295,000 | $170 | 3/2 | 1,737 | 3 | 0.2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CROSSVIEW REALTY
Sold by: COLDWELL BANKER VANGUARD REALTY (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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 31, 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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