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Active

Active·77 days on market

1832 Chatham Village Drive

Fleming Island, FL 32003

$475,000$190/sqftEst. $2,528/moMLS# 2138634

Beds

Baths

2,500

Sq Ft

2002

Built

Garage

Pool

About this home

Fleming Island

Beautiful water front home in the heart of amenity-rich Fleming Island Plantation community. Versatile Open floorplan lends itself for entertaining with water views through the Florida room created by David Wesley's Patio Rooms. Greet the Sunrise with your coffee on your water front patio Triple split floorplan! Primary bedroom en suite has water views. Primary bath has glassed shower and spa worthy garden tub. Gleaming wood and tile floors. Featuring insulated windows installed 2013! Chef-worthy kitchen has breakfast bar, too! Stainless steel appliances. Bonus room that can be an office, or more! High ceilings though out. Spacious three car garage has epoxy coated floor so it always stays clean and good looking! Among the offerings the community has are a splash park for all ages and an adult lap pool swimming, Close to everything you need! Shopping, groceries, restaurants,, services, medical offices, Baptist Clay Hospital, entertainment, movie theater and more

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,399

Principal & Interest: $2,399

Est. Taxes & Insurance: $600

Estimated Total Monthly

$2,999

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,528

Property taxesest. at asking price, Clay County$728

HOAbilled annually$6

Estimated total, before insurance$3,262/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $475,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$366,286	$315,564	—
2024	$378,200	$328,200	—
2023	$360,840	$148,311	—
2022	$296,482	$142,535	—
2021	$243,060	$136,928	—
2020	$238,199	$134,348	—

Estimated taxes if purchased at asking price: ~$8,700/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2002)

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

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: ~1,726 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 29, 2026Listed$475,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$475,000

Price / Sq Ft$190

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,500

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesSouthwest

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1832 Chatham Village Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionChatham Village

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Dimensions60 x 120

Parcel Number09052601426601117

ZoningResidential

Amenities

AmenitiesPool, Golf Course, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)