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Sold

Sold·Closed Jul 1, 2026·0 days on market

2309 Old Pine Trail

Fleming Island, FL 32003

$254,000sold priceListed at $254,000 · 100% of asking$224/sqftMLS# 2153870
2
Beds
2
Baths
1,132
Sq Ft
2002
Built
1
Garage
No
Pool
HOA $180/mo4,792 sqft lotTownhouse1 story

About this home

Fleming Island

COMP PURPOSED ONLY

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,407
Property taxesest. at asking price, Clay County$389
HOAbilled monthly$180
Estimated total, before insurance$1,976/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,881/yr · $240/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$254,000
$50,800
Loan Term
Monthly Payment
$1,407
Principal & Interest: $1,407
Property taxes (est.): $389
Insurance (est.): $169
Estimated Total Monthly
$1,965
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2002)

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

Solar potential: ~1,491 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 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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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
2024$187,557$57,036—
2023$181,655$53,919—
2022$162,644$50,893—
2021$128,647$47,955—
2020$125,517$46,603—

2025 property taxes (current owner): $2,881/yr

Estimated taxes if purchased at asking price: ~$4,700/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 (2024), NEFMLS.

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 $224/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPOct 2026$280,000$2093/21,340100.1
2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$315,000$2353/21,34090.1
1717 County Road 220 1705, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$140,000$1272/21,1041120.2
2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INCMar 2026$255,000$2252/21,132210.2
2404 Old Pine Trail 1, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2025$255,000$2252/21,13230.2
2200 Marsh Hawk Lane 403, Fleming Island, FL 32003Listed by REAL BROKER LLCJul 2026$173,000$1741/19921271.1

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$254,000
Price / Sq Ft$224
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,132
Acres0.11 acres
Year Built2002
TypeResidential
Sub-TypeTownhouse
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address2309 Old Pine Trail, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionPine Lakes
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size4,791.6 sq ft
Parcel Number05052601422104043

Amenities

UtilitiesElectricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
FencingBack Yard, Wrought Iron
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 5, 2026
Days on Market0
HOA Fees$180 / Monthly
HOA FrequencyMonthly
Tax Amount$2,880.98
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Jul 1, 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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