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Active

Active·4 days on market

1840 Copper Stone Drive D

Fleming Island, FL 32003

$250,000$123/sqftEst. $1,275/moMLS# 2126601

Beds

Baths

2,029

Sq Ft

2005

Built

Garage

Pool

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

Mortgage calculator

Home Price

$250,000

Down Payment: 20%

$50,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,275

Principal & Interest: $1,275

Property taxes (est.): $383

Insurance (est.): $167

Estimated Total Monthly

$1,824

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,275

Property taxesest. at asking price, Clay County$383

HOAbilled monthly$425

Estimated total, before insurance$2,083/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,517/yr · $376/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).

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.

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 home

As 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.

History

Price & status history

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.

Features

Price$250,000

Price / Sq Ft$123

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,029

Year Built2005

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address1840 Copper Stone Drive D, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionStone Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Parcel Number09052601417600840

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Jogging Path, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Shared Driveway

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup