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Active

Active·4 days on market

0 Head Road

Fleming Island, FL 32003

$870,000$275/sqftEst. $4,473/moMLS# 2161555

Beds

Baths

3,163

Sq Ft

2026

Built

Garage

Pool

About this home

Fleming Island

A NEARLY IMPOSSIBLE-TO-FIND ONE-ACRE HOMESITE. CUSTOM NEW CONSTRUCTION. EXCEPTIONAL PRIVACY. This is the kind of to be built new construction opportunity that has become increasingly difficult to find in Northeast Florida. Set on a full one-acre homesite, surrounded by beautiful estate-style properties and offering a wonderful sense of privacy, this exceptional residence by Roger Day of Rosewood Homes pairs the space and serenity of estate living with the luxury and convenience of a brand-new custom home.A custom interpretation of one of Rosewood Homes' most popular designs, this impressive 3,163-square-foot, two-story residence offers 4 bedrooms, 4.5 baths, a private study, multiple living spaces and an exceptionally livable floor plan designed with both everyday comfort and entertaining in mind.Step inside to soaring ceilings and a light-filled interior where the home opens beautifully from the foyer into the study and expansive main living areas.

Cost to own

Mortgage calculator

Home Price

$870,000

Down Payment: 20%

$174,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,473

Principal & Interest: $4,473

Property taxes (est.): $1,333

Insurance (est.): $580

Estimated Total Monthly

$6,386

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,473

Property taxesest. at asking price, Clay County$1,333

Estimated total, before insurance$5,806/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,830/yr · $153/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): $1,830/yr

Estimated taxes if purchased at asking price: ~$16,000/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,569 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 24, 2026Listed$870,000

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

Features

Price$870,000

Price / Sq Ft$275

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,163

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionTo Be Built

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address0 Head Road, Fleming Island, FL 32003

Area123-Fleming Island-SE

Subdivision**verifying Subd**

CityFleming Island

CountyClay

StateFL

Zip Code32003

Parcel Number03052601416700302

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Not Available, Propane

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryLower Level