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Sold

Sold·Closed Oct 6, 2026·10 days on market

1836 Winter Pines Court

Fleming Island, FL 32003

$280,000sold priceListed at $289,900 · 96.6% of asking$209/sqftMLS# 2162503
3
Beds
2
Baths
1,340
Sq Ft
2003
Built
1
Garage
No
Pool
FEMA Zone XHOA $200/mo7,841 sqft lotTownhouse1 story

About this home

Fleming Island

Welcome to this beautifully maintained 3-bedroom townhome in sought-after Fleming Island, offering comfort, convenience, and an exceptional lifestyle. The renovated kitchen provides a fresh, modern feel, while the spacious great room features a cozy gas fireplace--perfect for relaxing or entertaining. All new windows throughout. Enjoy the convenience of an inside laundry and a 1-car garage, along with a large screened-in lanai that creates the perfect space for morning coffee, outdoor dining, or unwinding at the end of the day. The exterior is easy to maintain, with yard work included, and the roof is maintained by the homeowners association. As an added bonus, residents have access to the outstanding Eagle Harbor amenities, providing even more opportunities to enjoy the Florida lifestyle. This townhome offers low-maintenance living in a desirable Fleming Island location with plenty of comfort and convenience.

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$1,551
Property taxesest. at asking price, Clay County$429
HOAbilled monthly$200
Estimated total, before insurance$2,180/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,629/yr · $469/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

$280,000
$56,000
Loan Term
Monthly Payment
$1,551
Principal & Interest: $1,551
Property taxes (est.): $429
Insurance (est.): $187
Estimated Total Monthly
$2,167
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2003)

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: ~1,628 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $5,629/yr

Estimated taxes if purchased at asking price: ~$5,100/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 6, 2026Closed$289,900
  • Sep 11, 2026Pending$289,900
  • Aug 28, 2026Listed$289,900

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 $224/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$315,000$2353/21,34090.1
2309 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$254,000$2242/21,13200.1
2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INCMar 2026$255,000$2252/21,132210.1
1717 County Road 220 1705, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$140,000$1272/21,1041120.2
2415 Old Pine Trail, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$300,000$1863/2.51,61500.2
2200 Marsh Hawk Lane 403, Fleming Island, FL 32003Listed by REAL BROKER LLCJul 2026$173,000$1741/19921271.1

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$289,900
Price / Sq Ft$216
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,340
Acres0.18 acres
Year Built2003
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1836 Winter Pines Court, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionPine Lake
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size7,840.8 sq ft
Parcel Number05052601422103908

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights, Restaurant
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchScreened
RoofShingle
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 28, 2026
Days on Market10
HOA Fees$200 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$5,628.9
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: UNITED REAL ESTATE GALLERY (buyer's brokerage)

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

This home sold on Oct 6, 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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