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Active

Active·55 days on market

2371 Bridgette Way

Fleming Island, FL 32003

$1,600,000$375/sqftEst. $8,251/moMLS# 2150561

Beds

Baths

4,266

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Fleming Island

This luxurious Riverfront Estate sits high above the St. Johns River, 4266 sq. ft., 5 bedrooms, 4.5 baths, large open kitchen with island, separate den, separate office, two owner's suites on first floor. Then step outside, large homesite, 3 car garage, screened enclosed pool with hot tub and large covered lanai, bulkhead, dock, boathouse and generator. And the best part, high-high ceilings, flooded with light, fabulous sunrise and moon views, crabbing, fishing, shrimping, water sports and water access to the world. All right here in the heart of Fleming Island. New roof 10/25, new AC 06/26. Shared dock walkway with separate ending platforms.

Cost to own

Mortgage calculator

Home Price

$1,600,000

Down Payment: 20%

$320,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$8,251

Principal & Interest: $8,251

Property taxes (est.): $2,452

Insurance (est.): $1,067

Estimated Total Monthly

$11,770

*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$8,251

Property taxesest. at asking price, Clay County$2,452

HOAbilled quarterly$115

Estimated total, before insurance$10,818/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$998,424	$947,702	—
2024	$991,516	$565,113	—
2023	$980,705	$552,052	—
2022	$876,914	$534,517	—
2021	$820,113	$517,493	—
2020	$773,945	$509,658	—

Estimated taxes if purchased at asking price: ~$29,400/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1990)

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: ~1,706 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

Jun 14, 2026Listed$1,600,000

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

Features

Price$1,600,000

Price / Sq Ft$375

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,266

Total Structure Area5,718 sq ft

Acres0.34 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Pool Sweep, Screen Enclosure

Is WaterfrontYes

Community Information

Address2371 Bridgette Way, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionHibernia Plantation

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size14,810.4 sq ft

Lot Dimensions112 x 134

Parcel Number37052601467900150

ZoningPUD

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewRiver, Water

Waterfront TypeNavigable Water, River Access, River Front

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDisposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Gas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Washer Hookup

Spa FeaturesIn Ground, Private