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Active Under Contract

Active Under Contract·51 days on market

0 Head Road

Fleming Island, FL 32003

$870,000$275/sqftEst. $4,819/moMLS# 2161555
4
Beds
4.5
Baths
3,163
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence2 storiesNew construction

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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.

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

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,819
Property taxesest. at asking price, Clay County$1,333
Estimated total, before insurance$6,152/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$870,000
$174,000
Loan Term
Monthly Payment
$4,819
Principal & Interest: $4,819
Property taxes (est.): $1,333
Insurance (est.): $580
Estimated Total Monthly
$6,732
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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.

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.

History

Price & status history

  • Sep 17, 2026Active Under Contract$870,000
  • Aug 24, 2026Listed$870,000

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 $226/sq ft; this home is listed at $275/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
5950 W Shores Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$575,000$2024/32,844480.3
2140 Eagle Talon Circle, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$440,000$1643/2.52,685460.5
2004 Hawkeye Place, Fleming Island, FL 32003Listed by KELLER WILLIAMS WINTER PARKAug 2026$420,000$1604/32,629720.6
2304 Emilys Way, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$603,000$2454/32,460570.6
128 Malley Cove Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$700,000$2515/32,7941050.7
1491 Bridgette Way, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$840,000$2264/33,725331.2

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$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 Under Contract
# 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

Exterior

Lot DescriptionDead End Street
RoofShingle
ConstructionFrame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 24, 2026
Days on Market24
Tax Amount$1,830.28
Tax Year2025
Listing TermsCash, Conventional, Other
55+ CommunityNo
New ConstructionYes

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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