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Active

$799,9004 bd · 2.5 ba · 3,268 sq ft

Active·66 days on market

2455 Stockton Drive

Fleming Island, FL 32003

$799,900$245/sqftEst. $4,361/mo mortgageMLS# 2161339
↓ $35,100 below original list
4
Beds
2.5
Baths
3,268
Sq Ft
1992
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $115/mo0.68 acresSingle Family Residence1 story

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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.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Fleming Island

Enter through an elegant double-door entry and immediately take in the stunning view of the resurfaced pool, complete with a new pump, electric heater, and screen enclosure. Two sets of French doors open to an enclosed Florida Room overlooking the pool, creating the perfect space for relaxing or entertaining.This custom-built home has been lovingly maintained by its original owner and features two HVAC systems. Roof is only 1.5 years old.The oversized kitchen offers a large island, spacious dining area, fully equipped appliances, and beautiful pickled cabinets.The kitchen and family room both overlook the pool and flow seamlessly into the enclosed Florida Room.The 4th bedroom is currently used as an office and features custom built-in shelving and a desk. Porcelain wood-look tile flows through many rooms, while the family and dining rooms feature beautiful hardwood flooring.Sport court and basketball court. This wonderful community features a trail and a sitting area at the river.

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$4,361
Property taxesest. at asking price, Clay County$1,226
HOAbilled quarterly$115
Estimated total, before insurance$5,702/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,792/yr · $399/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

$799,900
$159,980
Loan Term
Monthly Payment
$4,361
Principal & Interest: $4,361
Property taxes (est.): $1,226
Insurance (est.): $533
Estimated Total Monthly
$6,120
*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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — 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: ~1,336 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 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, 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): $4,792/yr

Estimated taxes if purchased at asking price: ~$14,700/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 23, 2026Price change$799,900−$35,100
  • Aug 28, 2026Active$835,000
  • Aug 21, 2026Listed$835,000

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 $215/sq ft; this home is listed at $245/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1483 Bridgette Way, Fleming Island, FL 32003Listed by PREMIER HOMES REALTY INCOct 2026$730,000$2154/43,3991030.3
1491 Bridgette Way, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$840,000$2264/33,725330.3
1755 Eagle Crest Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$580,000$1934/3.53,00850.4
2304 Emilys Way, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$603,000$2454/32,460570.6
1832 Chatham Village Drive, Fleming Island, FL 32003Listed by CAMELLIA REAL ESTATE LLCSep 2026$459,900$1843/32,5001351
5950 W Shores Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$575,000$2024/32,844481.1

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$799,900
Price / Sq Ft$245
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,268
Acres0.68 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Salt Water, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryPaterson
MiddleGreen Cove Springs

Community Information

Address2455 Stockton Drive, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionHibernia Plantation
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size29,620.8 sq ft
Parcel Number37052601467900183

Amenities

Community FeaturesSuburban, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Other

Interior

Interior FeaturesEat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Leased, Smoke Detector(s)

Exterior

Patio / PorchCovered, Glass Enclosed, Patio
FencingFenced, Wood
RoofShingle
ConstructionBrick
Road SurfaceAsphalt

Additional Information

Date ListedAugust 28, 2026
Days on Market66
HOA Fees$345 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,791.53
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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