Active Under Contract·29 days on market
1025 Floyd Street
Fleming Island, FL 32003
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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
Built in 2022, upgraded beyond builder-basic, and offered with no HOA!! 1025 Floyd Street delivers newer construction in an established Fleming Island setting. This A&M-built home offers 3 beds, 2 baths, and 1,493 square feet with granite countertops, Samsung appliances, an upgraded tile backsplash and hardware, ceiling fans in every room, blinds, and a built-in primary closet. Wood ceilings add warmth to the front and rear porches, while the fully fenced backyard and established landscaping provide a finished outdoor space from day one. Enjoy convenient access to Fleming Island's major shopping, dining, healthcare, and everyday services. Nearby boat ramps connect you to the area's waterways, while Spring Park and the Green Cove Springs riverfront are a short drive away. Orange Park, NAS Jacksonville, and major routes toward Jacksonville and I-95 are also within easy reach! Move-in ready and thoughtfully upgraded, this home is an easy YES! Schedule your private showing 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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,428 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,921/yr
Estimated taxes if purchased at asking price: ~$6,000/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 14, 2026Active Under Contract$324,900
- Sep 11, 2026Listed$324,900
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 $211/sq ft; this home is listed at $219/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1008 Clay Street, Fleming Island, FL 32003Listed by REAL BROKER LLC | May 2025 | $348,000 | $210 | 4/2 | 1,659 | 62 | 0.1 |
| 1182 Wild Ginger Lane, Fleming Island, FL 32003Listed by ROUND TABLE REALTY | Oct 2026 | $360,000 | $207 | 3/2 | 1,742 | 168 | 0.2 |
| 880 Clay Street, Fleming Island, FL 32003Listed by INI REALTY | Jun 2026 | $415,000 | $236 | 4/2 | 1,759 | 4 | 0.2 |
| 1005 Hibernia Forest Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Jun 2026 | $313,000 | $185 | 4/2 | 1,692 | 9 | 0.3 |
| 1334 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Aug 2026 | $329,990 | $211 | 3/2.5 | 1,566 | 64 | 0.4 |
| 1368 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Jul 2026 | $337,990 | $216 | 3/2.5 | 1,566 | 29 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MAXREV, LLC
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
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Text Krista about this home20+ years · 500+ closings · NE Florida
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