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Active

Active·25 days on market

132 Fairway Oaks Drive

Fleming Island, FL 32003

$575,000$266/sqftEst. $2,971/moMLS# 2159731

Beds

Baths

2,163

Sq Ft

1995

Built

Garage

Yes

Pool

About this home

Fleming Island

Living on Fleming Island in the the perfect neighborhood with a low annual HOA fee and NO CDD fee! Enjoy your own private, serene oasis with a screened-in pool overlooking beautiful, mature trees. Inside, a charming two-sided fireplace creates a warm focal point while separating the living room and family room, with custom-built storage surrounding the fireplace. The spacious eat-in kitchen provides plenty of room for everyday living and entertaining. The primary suite features a private bath with a garden tub and separate shower, plus convenient access to the pool area. Many of the light fixtures and ceiling fans are new, and the entire interior has been freshly painted. Located on a quiet, private dead-end street, this home offers peace, privacy, and comfortable Florida living.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,971

Principal & Interest: $2,971

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,236

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.71% · 30yr$2,971

Property taxesest. at asking price, Clay County$881

HOAbilled annually$19

Estimated total, before insurance$3,872/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,090/yr · $257/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,090/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

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 1995)

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: ~1,589 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.

History

Price & status history

Aug 12, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$266

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,163

Acres0.40 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address132 Fairway Oaks Drive, Fleming Island, FL 32003

Area121-Fleming Island-NE

SubdivisionFairway Oaks

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size17,424 sq ft

Parcel Number34042601309600500

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringLaminate, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup