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Active Under Contract

Active Under Contract·104 days on market

1880 Copper Stone Drive B

Fleming Island, FL 32003

$292,000$168/sqftEst. $1,489/moMLS# 2139822

Beds

Baths

1,737

Sq Ft

2005

Built

Garage

Pool

About this home

Fleming Island

This tastefully upgraded, waterfront, corner 3/2 townhome truly must be seen. It features an outstanding floor plan with amazing views from the chef's kitchen, spacious dining and living room as well as the primary en suite. The primary bedroom has ample space for large furnishings and a few treasured antiquities. The primary bathroom boasts a stone enhanced double vanity, stand alone shower and garden tub with an enclosed lavatory and extended walk in closet. This home offers beautiful hardwood flooring throughout and pristine stone counters in both bathrooms and kitchen. The remaining two bedrooms and second bathroom are thoughtfully positioned on the opposite side of the home allowing for a serene dose of privacy. The interior spaces are incredibly charming urging one to start envisioning their own design plans. The way this waterfront, corner unit is located genuinely creates a feel of separation from the other homes. It is special.

Cost to own

Mortgage calculator

Home Price

$292,000

Down Payment: 20%

$58,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,489

Principal & Interest: $1,489

Property taxes (est.): $448

Insurance (est.): $195

Estimated Total Monthly

$2,131

*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$1,489

Property taxesest. at asking price, Clay County$447

HOAbilled monthly$425

Estimated total, before insurance$2,361/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,859/yr · $322/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

Year	Market value	Taxable value	Change
2025	$280,626	$123,557	—
2024	$274,112	$119,227	—
2023	$272,473	$114,153	—
2022	$220,350	$109,227	—
2021	$182,776	$104,444	—
2020	$174,931	$102,243	—

2025 property taxes (current owner): $3,859/yr

Estimated taxes if purchased at asking price: ~$5,400/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 — year not disclosed (home built 2005)

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: ~1,732 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

Apr 13, 2026Listed$292,000

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

Features

Price$292,000

Price / Sq Ft$168

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,737

Acres0.14 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1880 Copper Stone Drive B, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionStone Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size6,098.4 sq ft

Parcel Number09052601417600814

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond