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Sold

Sold·Closed Aug 3, 2026·76 days on market

1671 Dockside Drive

Fleming Island, FL 32003

$399,000sold priceListed at $399,400 · 99.9% of asking$238/sqftMLS# 2138688
4
Beds
2
Baths
1,674
Sq Ft
2002
Built
2
Garage
No
Pool
FEMA Zone XHOA $23/mo6,665 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Enjoy waterfront living in this beautifully updated 4-bedroom, 2-bath home featuring peaceful water views and modern upgrades throughout. The heart of the home showcases granite countertops, stainless steel appliances, luxury vinyl plank flooring, and updated bathrooms designed for both style and comfort. A professionally screened lanai provides the perfect space to relax, entertain, or enjoy your morning coffee overlooking the water. Recent improvements include a new roof (2023), new HVAC system (2024), and a Level 2 EV charger, offering peace of mind and energy-conscious convenience. The washer and dryer are included, making this home truly move-in ready. Located in a desirable community with low HOA fees and no CDD fees, residents enjoy convenient access to the 8-mile paved Black Creek Trail, top-rated schools, shopping, dining, parks, golf courses, and NAS Jacksonville. Combining modern updates, scenic waterfront views, and an exceptional location.

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$2,210
Property taxesest. at asking price, Clay County$611
HOAbilled annually$23
Estimated total, before insurance$2,844/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,825/yr · $402/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$399,000
$79,800
Loan Term
Monthly Payment
$2,210
Principal & Interest: $2,210
Property taxes (est.): $611
Insurance (est.): $266
Estimated Total Monthly
$3,087
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2023 per the listing

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

Solar potential: ~1,754 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.

Cost to own

Taxes & assessment

Last sold: $370,000 in May 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$332,996$282,274—
2024$315,314$315,314—
2023$280,623$233,440—
2022$249,934$212,219—
2021$192,927$192,927—
2020$183,698$183,698—

2025 property taxes (current owner): $4,825/yr

Estimated taxes if purchased at asking price: ~$7,300/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 5, 2026Closed$399,400
  • Jul 8, 2026Pending$399,400
  • Apr 18, 2026Listed$399,400

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 $195/sq ft; this home is listed at $239/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1879 Harbor Island Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$365,000$1933/21,88810.1
1279 Pirates Cove Lane, Fleming Island, FL 32003Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORSSep 2026$336,000$1614/22,082190.2
1477 Marsh Rabbit Way, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$235,000$1643/21,42921
1535 Blue Heron Court, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$420,000$2273/21,849121
2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORPAug 2026$346,225$2143/21,621491.4
1428 Green Turtle Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$405,000$1954/22,079121.5

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$399,400
Price / Sq Ft$239
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,674
Total Structure Area2,229 sq ft
Acres0.15 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPaterson
MiddleGreen Cove Springs

Community Information

Address1671 Dockside Drive, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionHarbor Island
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size6,664.68 sq ft
Parcel Number43042601407500491
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringWood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityKey Card Entry

Exterior

Lot DescriptionSprinklers In Front
Patio / PorchPatio, Screened
FencingOther
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 18, 2026
Days on Market76
HOA Fees$270 / Annually
HOA FrequencyAnnually
HOA NameHarbor Island Owners Association
Tax Amount$4,824.64
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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 Aug 3, 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

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