$480,000Active Under Contract3 bd · 3 ba · 2,275 sq ft
Active Under Contract·46 days on market
144 Oakwood Plantation Drive
Fleming Island, FL 32003
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About this home
Fleming Island
This exceptional one-story, 3-bedroom, 3-bath home in Fleming Island features a rare double primary suite layout with large walk-in closets. With a LOW HOA and NO CDD, this home offers exceptional value, including FRESH EXTERIOR PAINT completed October 2026 and a NEWER ROOF installed in 2024. Move-in ready with fresh interior paint, plantation shutters, an office, dining area, and expansive living space. The 3-car garage features finished floors, plus an additional exterior storage shed. Outdoor living with space on both sides of the home, creating the feel of two backyards in one. Enjoy a large deck, paver area perfect for a firepit, charming shaded outdoor entertaining area, and room for a pool. Double gates on both sides provide easy access for additional parking. A rare combination of indoor space, flexibility, and outdoor living right here in Fleming Island.
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,716 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (north)about 22 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Parkabout 3 mi · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creekabout 2 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Camp Chowenwaw Park Paddlecraft Launchabout 2 mi · Saint Johns River - Black Creek
Closest grocery store
Publixabout 5 mi · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $443,252 | $176,166 | — |
| 2024 | $441,224 | $170,353 | — |
| 2023 | $419,551 | $163,790 | — |
| 2022 | $387,016 | $161,918 | — |
| 2021 | $303,870 | $155,732 | — |
| 2020 | $294,810 | $152,885 | — |
2025 property taxes (current owner): $3,206/yr
Estimated taxes if purchased at asking price: ~$8,800/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 (2025), NEFMLS.
History
Price & status history
- Oct 31, 2026Active Under Contract$480,000
- Sep 25, 2026Listed$480,000
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 $212/sq ft; this home is listed at $211/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2277 Eagle Perch Place, Fleming Island, FL 32003Listed by COLDWELL BANKER PREMIER PROPERTIES | Oct 2026 | $440,000 | $237 | 3/2 | 1,859 | 23 | 0.5 |
| 1271 Fairway Village Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Oct 2026 | $440,000 | $200 | 3/3 | 2,195 | 6 | 0.7 |
| 914 Hibernia Forest Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $440,000 | $212 | 4/3 | 2,080 | 8 | 0.7 |
| 1832 Chatham Village Drive, Fleming Island, FL 32003Listed by CAMELLIA REAL ESTATE LLC | Sep 2026 | $459,900 | $184 | 3/3 | 2,500 | 135 | 0.8 |
| 1352 Clay Street, Fleming Island, FL 32003Listed by WJH BROKERAGE FL LLC | Aug 2026 | $362,990 | $185 | 4/2.5 | 1,965 | 8 | 0.8 |
| 2304 Emilys Way, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $603,000 | $245 | 4/3 | 2,460 | 57 | 0.8 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Krista Fracke
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