Sold·Closed Sep 11, 2026·1 day on market
1879 Harbor Island Drive
Fleming Island, FL 32003
About this home
Fleming Island
Rare Fleming Island opportunity with below-market owner financing available! This beautifully maintained 3-bedroom, 2-bathroom home boasts 1,888 square feet of thoughtfully designed living space perfectly blending classic warmth with modern ease. The generous floor plan features rich, real hardwood floors throughout the main living areas, cozy newer carpet in the bedrooms, and low-maintenance tile in the kitchen and baths. At the heart of the home, a wood-burning fireplace with a traditional mantel anchors the inviting living area. Step outside to your private outdoor oasis--a screened lanai with durable epoxy flooring opening up to stunning, unobstructed views of a peaceful nature preserve. Beautifully groomed, mature landscaping offers maximum curb appeal with minimal maintenance. Skip the bank hassle and beat today's high rates; the seller is offering exclusive owner financing below market rates with a 20% down payment. Schedule your tour today!
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1998)
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: ~1,684 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 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,016/yr
Estimated taxes if purchased at asking price: ~$6,700/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 11, 2026Closed$365,000
- Aug 29, 2026Active Under Contract$365,000
- Aug 28, 2026Active$365,000
- Aug 22, 2026Listed$365,000
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 $214/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1279 Pirates Cove Lane, Fleming Island, FL 32003Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORS | Sep 2026 | $336,000 | $161 | 4/2 | 2,082 | 19 | 0.1 |
| 1671 Dockside Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $399,000 | $238 | 4/2 | 1,674 | 76 | 0.1 |
| 1477 Marsh Rabbit Way, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $235,000 | $164 | 3/2 | 1,429 | 2 | 1.1 |
| 1535 Blue Heron Court, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $420,000 | $227 | 3/2 | 1,849 | 12 | 1.1 |
| 2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORP | Aug 2026 | $346,225 | $214 | 3/2 | 1,621 | 49 | 1.3 |
| 1537 Maple Leaf Lane, Fleming Island, FL 32003Listed by DAVIDSON REALTY, INC. | Aug 2026 | $474,000 | $208 | 4/3 | 2,282 | 3 | 1.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Krista Fracke
Broker Associate
This home sold on Sep 11, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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