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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

$409,0004 bd · 2 ba · 1,853 sq ft

Active·31 days on market

618 Hibernia Oaks Drive

Fleming Island, FL 32003

$409,000$221/sqftEst. $2,230/mo mortgageMLS# 2160674
↓ $11,000 below original list
4
Beds
2
Baths
1,853
Sq Ft
1992
Built
2
Garage
No
Pool
FEMA Zone XHOA $19/mo9,148 sqft lotSingle 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 house located at 618 Hibernia Oaks Dr, Fleming Island, FL 32003. This lovely residence presents an inviting frontage with well-maintained landscaping that adds to its curb appeal. As you approach, you'll notice the spacious brand new driveway providing ample parking. The exterior boasts fresh paint, a classic design, harmonious with its surroundings. The property features a generous yard, appropriate for enjoying outdoor activities on a brand new patio slab for relaxing in the sun. Inside, the house has been completely renovated. The Kitchen has an open plan with spacious quartz counter tops, new shaker style cabinets made of real wood, all new stainless appliances. The seller is the contractor who did the renovations. Everything is in perfect condition and ready to move in. This home is a wonderful opportunity for those seeking a peaceful se

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$2,230
Property taxesest. at asking price, Clay County$627
HOAbilled annually$19
Estimated total, before insurance$2,876/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,716/yr · $393/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

$409,000
$81,800
Loan Term
Monthly Payment
$2,230
Principal & Interest: $2,230
Property taxes (est.): $627
Insurance (est.): $273
Estimated Total Monthly
$3,129
*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 1992)

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: ~1,610 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 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.

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

2024 property taxes (current owner): $4,716/yr

Estimated taxes if purchased at asking price: ~$7,500/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 12, 2026Price change$409,000+$59,000
  • Oct 9, 2026Price change$350,000−$70,000
  • Oct 6, 2026Withdrawn$420,000
  • Aug 18, 2026Listed$420,000

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 $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2277 Eagle Perch Place, Fleming Island, FL 32003Listed by COLDWELL BANKER PREMIER PROPERTIESOct 2026$440,000$2373/21,859230.3
790 Hibernia Road, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$425,000$1844/22,30540.4
1271 Fairway Village Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCOct 2026$440,000$2003/32,19560.6
914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$440,000$2124/32,08080.9
408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNSOct 2026$439,990$2313/21,90771
2325 Links Drive, Fleming Island, FL 32003Listed by WATSON REALTY CORPSep 2026$565,000$2404/32,359161

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$409,000
Price / Sq Ft$221
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,853
Acres0.21 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryPaterson, reported on 3 other Hibernia Oaks listings
MiddleGreen Cove Springs, reported on 2 other Hibernia Oaks listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address618 Hibernia Oaks Drive, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionHibernia Oaks
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size9,147.6 sq ft
Parcel Number37052601468700206

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1

Exterior

Exterior FeaturesOther

Additional Information

Date ListedOctober 9, 2026
Days on Market31
HOA Fees$230 / Annually
HOA FrequencyAnnually
Tax Amount$4,716
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEYCOME OF FLORIDA LLC

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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