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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 Under Contract

$379,000Active Under Contract3 bd · 2 ba · 2,027 sq ft

Active Under Contract·107 days on market

475 Springbrook Drive

Fleming Island, FL 32003

$379,000$187/sqftEst. $2,066/mo mortgageMLS# 2157094
3
Beds
2
Baths
2,027
Sq Ft
1988
Built
2
Garage
No
Pool
FEMA Zone XHOA $29/mo0.41 acresWaterfrontSingle 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 charming brick home in Fleming Island, offering peaceful pond views and a spacious lot. Inside, you'll find beautiful wood flooring, vaulted ceilings, and a warm wood-burning fireplace that creates an inviting atmosphere. The kitchen features a comfortable eat-in area, while the formal dining room provides the perfect setting for special meals and entertaining. Enjoy the outdoors year-round from the large screened-in sunroom overlooking the pond. Additional highlights include an updated shower, generous living spaces, and a desirable location in a well-maintained community. This home offers the perfect combination of comfort, character, and scenic Florida living.

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$2,066
Property taxesest. at asking price, Clay County$581
HOAbilled annually$29
Estimated total, before insurance$2,676/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,919/yr · $160/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

$379,000
$75,800
Loan Term
Monthly Payment
$2,066
Principal & Interest: $2,066
Property taxes (est.): $581
Insurance (est.): $253
Estimated Total Monthly
$2,900
*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: material not specified — year not disclosed (home built 1988)

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: ~1,527 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.

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): $1,919/yr

Estimated taxes if purchased at asking price: ~$7,000/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

  • Oct 15, 2026Active Under Contract$379,000
  • Jul 25, 2026Listed$379,000

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 $231/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2004 Hawkeye Place, Fleming Island, FL 32003Listed by KELLER WILLIAMS WINTER PARKAug 2026$420,000$1604/32,629720.2
408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNSOct 2026$439,990$2313/21,90770.5
1544 Community Point, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYNov 2026$750,000$3523/32,130170.9
1693 Tall Timber Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$380,000$1873/2.52,0301531
4898 Raggedy Point Road, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYAug 2026$455,000$2053/22,21701.1
2277 Eagle Perch Place, Fleming Island, FL 32003Listed by COLDWELL BANKER PREMIER PROPERTIESOct 2026$440,000$2373/21,859231.2

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$379,000
Price / Sq Ft$187
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,027
Acres0.41 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryPaterson, reported on 2 other Fleming Brook listings
MiddleGreen Cove Springs, reported on 2 other Fleming Brook listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address475 Springbrook Drive, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionFleming Brook
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size17,859.6 sq ft
Parcel Number04052601417300147

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LaundryIn Unit

Exterior

Patio / PorchPatio, Screened
ConstructionBrick, Vinyl Siding
Road SurfaceAsphalt

Additional Information

Date ListedJuly 25, 2026
Days on Market107
HOA Fees$350 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Tax Amount$1,919.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ALL REAL ESTATE OPTIONS INC

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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