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Active

Active·6 days on market

1311 Fleming Street

Fleming Island, FL 32003

$361,990$184/sqftEst. $1,927/moMLS# 2154503

Beds

Baths

1,965

Sq Ft

2026

Built

Garage

Pool

About this home

Fleming Island

Discover Your Dream Home in the Fleming Island Estates Community! Discover the stunning Berkshire Plan, a new 2-story home. This modern residence features a spacious open-concept design that seamlessly integrates a gourmet kitchen with the Great Room and dining area. The kitchen boasts refined cabinetry, quartz countertops, and stainless steel appliances, including an electric smooth-top range, dishwasher, and over-the-range microwave ideal for culinary enthusiasts. The first floor also includes a chic powder room for guests. Upstairs, enjoy generously sized bedrooms with ample closet space and a primary suite with a private bath and expansive walk-in closet. Additional highlights include a second-floor walk-in laundry room and a 2-car garage. Energy-efficient Low-E insulated dual-pane windows and a one-year limited home warranty ensure comfort and peace of mind. Ask sales counselor about new enhanced kitchen cabinet features and updated farmhouse style trim package!

Cost to own

Mortgage calculator

Home Price

$361,990

Down Payment: 20%

$72,398

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,829

Principal & Interest: $1,829

Est. Taxes & Insurance: $457

Estimated Total Monthly

$2,286

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,927

Property taxesest. at asking price, Clay County$555

Estimated total, before insurance$2,481/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

2025 property taxes (current owner): $400/yr

Estimated taxes if purchased at asking price: ~$6,700/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, 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 D

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

Roof: Shingle — year not disclosed (home built 2026)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,252 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History