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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$400,0003 bd · 2 ba · 1,682 sq ft

Active·117 days on market

1608 Brighton Bluff Court

Fleming Island, FL 32003

$400,000$238/sqftEst. $2,181/mo mortgageMLS# 2155589
↓ $40,000 below original listOpen house Sat, Nov 14 · 12:00 pm–2:00 pm
3
Beds
2
Baths
1,682
Sq Ft
1996
Built
2
Garage
No
Pool
FEMA Zone XHOA $6/mo7,405 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fleming Island

Welcome to this beautifully updated 3-bedroom, 2-bath home with a dedicated office, tucked away on a cul-de-sac in the Walnut Creek section of Eagle Harbor. Thoughtfully renovated, this home features a newer roof, HVAC system, appliances, flooring, interior paint, and refreshed landscaping, offering a move-in ready opportunity. The flexible floor plan includes a private office that's perfect for working from home, hobbies, or additional living space. Enjoy a well-maintained yard and the convenience of a location close to shopping, dining, parks, and major commuter routes. Don't miss your chance to make this updated home your own! CDD is paid off. Only Operations and Maintenance remain!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,181
Property taxesest. at asking price, Clay County$613
HOAbilled annually$6
Estimated total, before insurance$2,799/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,332/yr · $278/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

$400,000
$80,000
Loan Term
Monthly Payment
$2,181
Principal & Interest: $2,181
Property taxes (est.): $613
Insurance (est.): $267
Estimated Total Monthly
$3,060
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 1996)

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: ~1,285 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

2025 property taxes (current owner): $3,332/yr

Estimated taxes if purchased at asking price: ~$7,400/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, NEFMLS.

History

Price & status history

  • Nov 8, 2026Price change$400,000−$28,000
  • Sep 25, 2026Price change$428,000−$4,000
  • Aug 8, 2026Price change$432,000−$8,000
  • Jul 16, 2026Listed$440,000

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

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 $197/sq ft; this home is listed at $238/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1522 Quail Wood Court, Fleming Island, FL 32003Listed by KALLAM REALTY GROUP PLLCSep 2026$391,000$1973/21,988780.1
1428 Green Turtle Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$405,000$1954/22,079120.1
1703 Hunters Ridge Road, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$555,000$2754/2.52,01920.3
1532 Silver Bell Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$455,000$2314/21,969140.5
1485 Marsh Rabbit Way, Fleming Island, FL 32003Listed by CHAD AND SANDY REAL ESTATE GROUPNov 2026$277,500$1594/21,750950.6
1472 Marsh Rabbit Way, Fleming Island, FL 32003Listed by THE LEGENDS OF REAL ESTATEOct 2026$265,000$1493/21,7771260.6

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$400,000
Price / Sq Ft$238
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,682
Total Structure Area2,244 sq ft
Acres0.17 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryFleming Island
MiddleLakeside

Community Information

Address1608 Brighton Bluff Court, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionWalnut Creek
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size7,405.2 sq ft
Parcel Number32042602126201232
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Golf Course, Park, Playground, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Oven, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchPatio
RoofShingle
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJuly 16, 2026
Days on Market117
HOA Fees$66 / Annually
HOA FrequencyAnnually
Tax Amount$3,331.63
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/14/2026

12:00 pm - 2:00 pm