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Sold

Sold·Closed Sep 8, 2026·3 days on market

2110 Stone Creek Drive B

Fleming Island, FL 32003

$295,000sold priceListed at $295,000 · 100% of asking$170/sqftMLS# 2156829
3
Beds
2
Baths
1,737
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XHOA $425/mo5,227 sqft lotTownhouse1 story

About this home

Fleming Island

Move-in ready with over $25k in high-end renovations during the last year! This beautifully updated 3BR/2BA single-story townhome offers an open layout with generous living and dining space, a spacious primary suite, private screened patio and a 2-car garage. The kitchen has been completely transformed with new stainless appliances, solid stone countertops, new ceiling and under-cabinet lighting, and a pull-out organizer in the corner cabinet. The primary bath is equally impressive, featuring a new walk-in shower tiled to the ceiling, spacious linen closet with barn door entry, new vanity and faucets, updated toilet and cabinetry, dual vent fans, and new tile flooring. Additional upgrades include new carpet in every bedroom, new ceiling fans, and updated lighting throughout. Enjoy maintenance-free living with resort-style Eagle Harbor amenities. Ideally located in desirable Fleming Island near shopping, dining, parks, and top Clay County schools. Schedule your private showing today!

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$1,634
Property taxesest. at asking price, Clay County$452
HOAbilled monthly$425
Estimated total, before insurance$2,511/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,667/yr · $306/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

$295,000
$59,000
Loan Term
Monthly Payment
$1,634
Principal & Interest: $1,634
Property taxes (est.): $452
Insurance (est.): $197
Estimated Total Monthly
$2,283
*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.

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: material not specified — year not disclosed (home built 2004)

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: ~1,730 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.

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

2025 property taxes (current owner): $3,667/yr

Estimated taxes if purchased at asking price: ~$5,400/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

  • Sep 9, 2026Closed$295,000
  • Aug 26, 2026Pending$295,000
  • Jul 26, 2026Active Under Contract$295,000
  • Jul 24, 2026Listed$295,000

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 $167/sq ft; this home is listed at $170/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1870 Copper Stone Drive F, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$295,000$2132/21,385680.1
1840 Copper Stone Drive D, Fleming Island, FL 32003Listed by CROSSVIEW REALTYAug 2026$250,000$1233/2.52,0291830.2
1880 Copper Stone Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$292,000$1683/21,737640.2
1830 Copper Stone Drive E, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$290,000$1673/21,7371900.2
1890 Copper Stone Drive B, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYFeb 2026$280,000$1613/21,737610.2
1820 Copper Stone Drive D, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$280,000$1383/2.52,0294700.3

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$295,000
Price / Sq Ft$170
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,737
Acres0.12 acres
Year Built2004
TypeResidential
Sub-TypeTownhouse
StylePatio Home
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPaterson
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address2110 Stone Creek Drive B, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionStone Creek
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size5,227.2 sq ft
Parcel Number09052601417600891
ZoningResidential

Amenities

AmenitiesPool, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Additional Information

Date ListedJuly 24, 2026
Days on Market3
HOA Fees$425 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure
Tax Amount$3,667.47
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INI REALTY

Sold by: ISLAND REALTY, INC. (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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 8, 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.

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