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Pending

Pending·77 days on market

6076 Bermuda Drive

Fleming Island, FL 32003

$345,900$217/sqftEst. $1,784/moMLS# 2146800

Beds

Baths

1,592

Sq Ft

1988

Built

Garage

Pool

About this home

Fleming Island

Welcome to your new home in beautiful Fleming Island, Fl. This inviting home is perfectly situated, offering a blend of comfort and convenience. You'll find yourself just moments away from several great restaurants and department stores, making everyday living a breeze. Key property features include 3 spacious bedrooms and 2 well-appointed bathrooms, contributing to an ideal living space. The open floor plan and thoughtful layout are perfect for relaxation and entertaining. There is tile throughout, Granite countertops in kitchen, and a wood-burning fireplace in great room. Enjoy the comfort of central heat and air conditioning and ceiling fans to keep your environment pleasant year-round. Don't miss out on this opportunity to settle into the vibrant community! No HOA in Island Forest! Easy to show.

Cost to own

Mortgage calculator

Home Price

$345,900

Down Payment: 20%

$69,180

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,784

Principal & Interest: $1,784

Property taxes (est.): $530

Insurance (est.): $231

Estimated Total Monthly

$2,544

*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$1,784

Property taxesest. at asking price, Clay County$530

Estimated total, before insurance$2,314/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,577/yr · $381/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	$281,155	$273,431	—
2024	$277,982	$248,574	—
2023	$269,103	$225,977	—
2022	$245,607	$205,434	—
2021	$183,264	$183,264	—
2020	$176,084	$176,084	—

2025 property taxes (current owner): $4,577/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1988)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,713 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

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.