Active·160 days on market
2408 Stockton Drive
Fleming Island, FL 32003
About this home
Fleming Island
Highly sought after HIBERNIA PLANTATION! Situated on a large cul-de-sac lot this beautifully updated 4 bedroom 3.5 bath home offers a desirable split floor plan w/2 PRIMARY SUITES PLUS a dedicated office w/a large closet that can easily serve as a 5th bedroom, home gym, or private workspace. The oversized primary suite provides a relaxing retreat while the second suite features its own PRIVATE ENSUITE BATH, ideal for guests or multigenerational living.Major updates offer peace of mind, 4 YR OLD ROOF & BRAND NEW 3-ZONE HVAC SYSTEM. The chef-inspired kitchen features quartz countertops, a large island with additional storage, abundant cabinetry, and NEW APPLIANCES, including Samsung refrigerator, cooktop, microwave/oven combo, and KitchenAid dishwasher. The kitchen flows seamlessly into the spacious family room and out to the screened patio and HEATED SALTWATER POOL, creating the perfect setting for entertaining, relaxing, and enjoying Florida's indoor-outdoor living. Bright sunroom w/
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $725,000 in May 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $750,791 | $671,056 | — |
| 2024 | $739,321 | $651,437 | — |
| 2023 | $681,007 | $631,007 | — |
| 2022 | $421,634 | $244,809 | — |
| 2021 | $366,383 | $241,563 | — |
| 2020 | $356,906 | $237,538 | — |
2025 property taxes (current owner): $10,754/yr
Estimated taxes if purchased at asking price: ~$15,200/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1993)
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: ~1,663 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.
History
Price & status history
- Apr 10, 2026Listed$825,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines