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Sold

Sold·Closed Sep 16, 2026·9 days on market

2367 Old Pine Trail

Fleming Island, FL 32003

$315,000sold priceListed at $325,000 · 96.9% of asking$235/sqftMLS# 2158886
3
Beds
2
Baths
1,340
Sq Ft
2002
Built
1
Garage
No
Pool
FEMA Zone XHOA $180/mo3,920 sqft lotWaterfrontTownhouse1 story

About this home

Fleming Island

PRISTINE HOME ON GOLDEN POND in sought after EAGLE HABOR. Home is beautiful end unit with a lovely glass picture window Florida room. Morning coffee on the pond gets you going for the day. Open living room, dining room includes cozy gas fireplace. New designers kitchen cabinets to show off your treasures with up lights, nice breakfast bar. All appliances included- inside laundry with washer and dryer. Classy primary bedroom and lovely ensuite with shower and garden tub, double sinks, large walk in closet. This classy townhome with low association fee offers multiple pools, tennis, clubhouse, playgrounds, boat ramp, RV/boat storage and includes A rated schools, dining, shopping, fishing, boating, golf.....and more.. WELCOME TO THE FLORIDA LIFESTYLE!!

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$1,745
Property taxesest. at asking price, Clay County$483
HOAbilled monthly$180
Estimated total, before insurance$2,408/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,181/yr · $348/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

$315,000
$63,000
Loan Term
Monthly Payment
$1,745
Principal & Interest: $1,745
Property taxes (est.): $483
Insurance (est.): $210
Estimated Total Monthly
$2,438
*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 E

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

Roof: Shingle — year not disclosed (home built 2002)

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: ~1,781 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 August 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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:30 AM, sunset 6:54 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,181/yr

Estimated taxes if purchased at asking price: ~$5,800/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 19, 2026Closed$325,000
  • Sep 13, 2026Pending$325,000
  • Aug 15, 2026Active Under Contract$325,000
  • Aug 6, 2026Listed$325,000

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 $209/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INCMar 2026$255,000$2252/21,132210
1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPOct 2026$280,000$2093/21,340100.1
2309 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$254,000$2242/21,13200.1
2415 Old Pine Trail, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$300,000$1863/2.51,61500.1
1717 County Road 220 1705, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$140,000$1272/21,1041120.4
1500 Calming Water Drive 5605, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCSep 2026$186,000$1442/2.51,29671

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$325,000
Price / Sq Ft$243
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,340
Total Structure Area1,731 sq ft
Acres0.09 acres
Year Built2002
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontYes
Direction FacesNorthwest

School Information

ElementaryFleming Island
MiddleLakeside

Community Information

Address2367 Old Pine Trail, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size3,920.4 sq ft
Parcel Number05052601422103988
ZoningResidential

Amenities

AmenitiesBoat Dock, Clubhouse, Golf Course, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Water
Community FeaturesSidewalks, Street Lights, Restaurant
UtilitiesCable Available, Electricity Available, Electricity Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage
ViewPond
Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac, Few Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchGlass Enclosed, Patio
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 6, 2026
Days on Market9
HOA Fees$180 / Monthly
HOA FrequencyMonthly
HOA NamePINE LAKE
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control, Trash
Tax Amount$4,181.29
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: WATSON REALTY CORP (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 Sep 16, 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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20+ years · 500+ closings · NE Florida

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