Sold·Closed Jul 13, 2026·45 days on market
423 Baybrook Drive
Fleming Island, FL 32003
About this home
Fleming Island
NEW ROOF to be installed this thursday 6/4 no showings this day, NEW HVAC 4/26 Truly an amazing home. Beautifully updated throughout & perfectly situated in one of Flemming islands most sought after communities. From the moment you step inside, you will love the soaring high volume ceilings that create a bright open and airy feel. Open floor plan gorgeous white skater 42 in cabinets, butcher block top, stainless appliances. Large island, eat in kitchen area, formal dining room. Split bedrooms. updated baths. Master has soaker tub and separate shower. The thoughtfully updated interior offers, modern finishes and comfortable layout idea for both every day living and entertaining step outside to your brand new screened in porch the perfect spot to unwind in the evenings or enjoy your morning coffee while taking and the peaceful surroundings located just minutes from the Saint Johns River top rated school shopping and dining this home has it all.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1989)
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: ~1,387 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $325,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $271,284 | $220,562 | — |
| 2024 | $267,878 | $217,878 | — |
| 2023 | $242,855 | $57,449 | — |
| 2022 | $194,150 | $58,674 | — |
| 2021 | $163,717 | $55,495 | — |
| 2020 | $153,810 | $54,032 | — |
2025 property taxes (current owner): $3,883/yr
Estimated taxes if purchased at asking price: ~$7,200/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.
History
Price & status history
- Jul 15, 2026Closed$390,000
- May 1, 2026Listed$390,000
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 $218/sq ft; this home is listed at $266/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 572 Cozybrook Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | May 2026 | $365,000 | $253 | 3/2 | 1,440 | 2 | 0.2 |
| 1837 Weston Circle, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Apr 2026 | $365,000 | $192 | 3/2 | 1,904 | 190 | 0.3 |
| 440 Segovia Drive, Fleming Island, FL 32003Listed by SMILEEHOUSE AUCTION CO LLC | Sep 2025 | $275,000 | $148 | 3/2 | 1,856 | 13 | 0.5 |
| 408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $439,990 | $231 | 3/2 | 1,907 | 7 | 0.7 |
| 2254 Eagle Talon Circle, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTY | Jul 2026 | $385,050 | $218 | 3/2 | 1,763 | 29 | 0.7 |
| 2274 Eagle Talon Circle, Fleming Island, FL 32003Listed by IAD FLORIDA LLC | May 2026 | $355,000 | $203 | 3/2 | 1,752 | 8 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
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.
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Krista Fracke
Broker Associate
This home sold on Jul 13, 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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