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Sold

$140,000Sold2 bd · 2 ba · 1,104 sq ft

Sold·Closed Oct 7, 2026·112 days on market

1717 County Road 220 1705

Fleming Island, FL 32003

$140,000sold priceListed at $149,000 · 94% of asking$127/sqftMLS# 2145986
2
Beds
2
Baths
1,104
Sq Ft
1998
Built
—
Garage
No
Pool
FEMA Zone XHOA $312/mo436 sqft lotCondominium2 stories

About this home

Fleming Island

CASH BUYERS ONLY. Immediately entering the community, you are greeted by the lush landscape and top-notch amenities that includes a gorgeous clubhouse, fitness center, beautiful pool which allows for poolside grilling and a playground for the kiddos. The front door of the unit leads you upstairs to the one level 2 bedrooms, 2 bathrooms and an office area with both bathrooms recently updated. This open concept with high ceilings allows for those great family gatherings. The kitchen is fully equipped with all the appliances, including the washer & dryer. Plenty of cabinets and counter space for the chef in the family. There's also a dining area that opens to the kitchen and living room. You'll love all the natural light beaming through the entire unit and a lovely fireplace which adds the focal point of the units living space.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$763
Property taxesest. at asking price, Clay County$215
HOAbilled monthly$312
Estimated total, before insurance$1,290/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,973/yr · $248/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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).

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 1998)

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: ~1,675 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$176,301$145,080—
2024$171,740$131,891—
2023$168,186$119,901—
2022$135,073$109,001—
2021$99,092$99,092—
2020$96,599$91,616—

2025 property taxes (current owner): $2,973/yr

Estimated taxes if purchased at asking price: ~$2,600/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

  • Oct 13, 2026Closed$149,000
  • Sep 25, 2026Pending$149,000
  • Aug 28, 2026Price change$149,000−$1,000
  • Aug 6, 2026Active$150,000
  • Jul 29, 2026Pending$150,000
  • Jul 24, 2026Active$150,000
  • May 19, 2026Listed$150,000

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 $225/sq ft; this home is listed at $127/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPOct 2026$280,000$2093/21,340100.2
2309 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$254,000$2242/21,13200.2
2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$315,000$2353/21,34090.4
2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INCMar 2026$255,000$2252/21,132210.4
2404 Old Pine Trail 1, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2025$255,000$2252/21,13230.4
2200 Marsh Hawk Lane 403, Fleming Island, FL 32003Listed by REAL BROKER LLCJul 2026$173,000$1741/19921271.3

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$149,000
Price / Sq Ft$135
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,104
Acres0.01 acres
Year Built1998
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address1717 County Road 220 1705, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionCobblestone At Eagle Harb
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size435.6 sq ft
Parcel Number05052601419002233

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Management- On Site, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo

Exterior

Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 6, 2026
Days on Market112
HOA Fees$312 / Monthly
HOA FrequencyMonthly
HOA NameCobblestone at Eagle Harbor
Tax Amount$2,972.87
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: MANUCY REALTY AND ASSOCIATES (buyer's brokerage)

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 Oct 7, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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