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Active

Active·9 days on market

6377 Island Forest Drive D

Fleming Island, FL 32003

$299,000$147/sqftEst. $1,553/moMLS# 2162828

Beds

Baths

2,029

Sq Ft

2004

Built

Garage

Pool

About this home

Fleming Island

Located in the highly desirable Eagle Harbor community of Fleming Island! This spacious 3-bedroom, 2.5-bath townhome offers 2,029 square feet of comfortable living space with a functional layout perfect for everyday living and entertaining. The home features a well appointed kitchen with granite countertops, along with a spacious living area and desirable split bedroom floor plan. The primary suite, located on the 1st floor, offers a private bath with a separate soaking tub and shower. An attached two car garage provides convenient parking and additional storage. Enjoy your morning coffee from the covered back porch and all the benefits of living in one of Fleming Island's most sought-after communities. Conveniently located near shopping, dining, schools, and everyday necessities, this home offers an ideal combination of space, comfort, and location. Don't miss the opportunity to make this beautiful Fleming Island townhome your next home!

Cost to own

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,553

Principal & Interest: $1,553

Property taxes (est.): $458

Insurance (est.): $199

Estimated Total Monthly

$2,211

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,553

Property taxesest. at asking price, Clay County$458

HOAbilled quarterly$425

Estimated total, before insurance$2,436/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,396/yr · $533/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $6,396/yr

Estimated taxes if purchased at asking price: ~$5,500/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 D

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

Roof: material not specified — year not disclosed (home built 2004)

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: ~1,681 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 September 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

Sep 1, 2026Listed$299,000

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

Features

Price$299,000

Price / Sq Ft$147

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,029

Acres0.10 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address6377 Island Forest Drive D, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionStone Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size4,356 sq ft

Parcel Number09052601417600944

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Golf Course, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)