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Active Under Contract

Active Under Contract·79 days on market

2040 Secret Garden Lane 105

Fleming Island, FL 32003

$340,000$173/sqftEst. $1,753/moMLS# 2146482

Beds

Baths

1,966

Sq Ft

2007

Built

Garage

Pool

About this home

Fleming Island

This beautifully maintained second-floor flat is ideally positioned at the rear of the community, offering peaceful wooded views from its private balcony. Enter through your own keyless private entry and enjoy the convenience of a one-car garage. Thoughtfully updated, the home features a newer AC system installed just two years ago, along with a stainless steel refrigerator, double oven, and range, while all other appliances are less than five years old. Inside, granite countertops and a beautifully coordinated backsplash add timeless style to the kitchen. From the moment you step inside, you are welcomed by abundant natural light streaming through numerous windows and enhanced by impressive 10-foot ceilings. Rich wood flooring extends throughout the main living areas and bedrooms, with tile in the kitchen and baths for added durability and charm. The spacious screened balcony is a true highlight, offering multiple seating areas, tranquil wooded views, and retractable blinds for shade

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,753

Principal & Interest: $1,753

Property taxes (est.): $521

Insurance (est.): $227

Estimated Total Monthly

$2,501

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,753

Property taxesest. at asking price, Clay County$521

HOAbilled monthly$314

Estimated total, before insurance$2,588/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,850/yr · $404/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

Last sold: $325,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$307,740	$167,386	—
2024	$270,271	$160,271	—
2023	$255,348	$255,348	—
2022	$230,251	$127,124	—
2021	$178,570	$102,261	—
2020	$167,130	$100,090	—

2025 property taxes (current owner): $4,850/yr

Estimated taxes if purchased at asking price: ~$6,300/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2007)

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: ~1,767 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

Jul 8, 2026Active Under Contract$340,000
May 21, 2026Listed$340,000

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

Features

Price$340,000

Price / Sq Ft$173

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,966

Acres0.03 acres

Year Built2007

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address2040 Secret Garden Lane 105, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionThe Enclave

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size1,306.8 sq ft

Parcel Number32042602126205605

ZoningCondominium

Amenities

AmenitiesPool, Boat Dock, Cable TV, Children's Pool, Clubhouse, Golf Course, Maintenance Grounds, Management - Full Time, Management - Off Site, Pickleball, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Additional Parking, Attached, Garage, Garage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup