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Active

Active·96 days on market

2408 Stockton Drive

Fleming Island, FL 32003

$825,000$274/sqftEst. $4,391/moMLS# 2139435

Beds

Baths

3,006

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

Fleming Island

Split floor plan w/ 2 PRIMARY SUITES, dedicated office w/ large closet (potential 5th bedroom) & major system updates in highly sought-after Hibernia Plantation. This 4-bedroom, 3.5-bath home sits on a LARGE cul-de-sac lot, offers a highly functional layout designed for flexibility. In addition to the oversized primary suite, a second bedroom includes its own PRIVATE ENSUITE bath, ideal for guests or multigenerational living. A dedicated office w/ a large closet can easily function as a 5th bedroom, home gym, or private workspace. Major updates provide peace of mind, including 4 YR OLD ROOF & brand NEW 3-zone HVAC system. The chef's kitchen features quartz countertops, a large island w/ additional storage, abundant cabinetry & NEW APPLIANCES including Samsung refrigerator, cooktop & microwave/oven combo, plus a KitchenAid dishwasher. The kitchen & family room flow together & open to a screened patio & HEATED SALTWATER POOL creating seamless indoor-outdoor living. A bright sunroom w/

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*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$4,391

Property taxesest. at asking price, Clay County$1,264

HOAbilled quarterly$115

Estimated total, before insurance$5,770/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: $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 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 10, 2026Listed$825,000

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

Features

Price$825,000

Price / Sq Ft$274

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,006

Acres0.65 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontNo

Community Information

Address2408 Stockton Drive, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionHibernia Plantation

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size28,314 sq ft

Parcel Number37052601467900175

Amenities

AmenitiesBoat Dock

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyRoof

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral, Zoned

CoolingCentral Air, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

SecuritySmoke Detector(s)