$350,0003 bd · 2 ba · 1,522 sq ft
Active·93 days on market
971 Florida Street
Fleming Island, FL 32003
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About this home
Fleming Island
***OPEN HOUSE Nov 7 11-2:00*** Charming, move-in ready single-family home with upgrades and no HOA or CDD. Freshly painted inside and outside, this home features a new roof, new A/C, new water heater, and newer appliances for worry-free living. Enjoy privacy in the large fenced backyard including a screen porch with vinyl windows for year round comfort-- ideal for kids, pets, or outdoor entertaining -- plus an extra-large parking area with room for boats, RVs, or multiple vehicles. Bright, clean interiors and well-maintained systems make this a great value and a quick-close candidate. Convenient location and strong curb appeal -- ready for your buyer to call home. ''Pesticide free' garden area including established banana trees plus large chicken pen. Private dead end road, so limited traffic.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2003)
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: ~1,456 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 homeAs 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, 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.
Closest beach parking
Guana Reserve beach lot (north)about 22 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 4 mi · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creekabout 1 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 1 mi · Saint Johns River - Black Creek
Closest grocery store
Publixabout 5 mi · 205 Rivertown Shops Dr, Saint Johns
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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai.
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): $1,498/yr
Estimated taxes if purchased at asking price: ~$6,400/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
- Aug 6, 2026Listed$350,000
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 $219/sq ft; this home is listed at $230/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 880 Clay Street, Fleming Island, FL 32003Listed by INI REALTY | Jun 2026 | $415,000 | $236 | 4/2 | 1,759 | 4 | 0.1 |
| 784 Floyd Street, Fleming Island, FL 32003Listed by KELLER WILLIAMS FIRST COAST REALTY | Oct 2026 | $340,000 | $262 | 3/2 | 1,296 | 3 | 0.2 |
| 1025 Floyd Street, Fleming Island, FL 32003Listed by MAXREV, LLC | Oct 2026 | $324,900 | $219 | 3/2 | 1,481 | 2 | 0.2 |
| 1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTY | Oct 2026 | $360,000 | $207 | 3/2 | 1,742 | 168 | 0.3 |
| 1185 Floyd Street, Fleming Island, FL 32003Listed by RIVER CITY RENTALS AND REALTY | Oct 2026 | $310,000 | $177 | 3/2.5 | 1,752 | 0 | 0.4 |
| 1005 Hibernia Forest Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Jun 2026 | $313,000 | $185 | 4/2 | 1,692 | 9 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AJ REALTY GROUP FLORIDA 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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