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Active

Active·7 days on market

6350 Island Forest Drive A

Fleming Island, FL 32003

$270,000$195/sqftEst. $1,496/moMLS# 2168742
2
Beds
2
Baths
1,385
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XHOA $425/mo5,227 sqft lotTownhouse1 story

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Want to walk through this home this week?

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

Charming 2 bedroom, 2 bathroom home in prime location! This home has been well maintained and offers a newer roof, tile floors, brand new paint throughout and brand new carpet. The home features an open concept and beautiful kitchen plenty big enough for hosting. It is conveniently located to your favorite restaurants, shopping, medical facilities and great schools! As part of Stone creek, you have access to Eagle Harbor facilities featuring pools, tennis courts, pickleball, walking trails and a neighborhood playground. This home offers the perfect amount of comfort and convenience, is low maintenance and located in one of Fleming Islands most sought after neighborhoods. Schedule your showing today!!

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$1,496
Property taxesest. at asking price, Clay County$414
HOAbilled monthly$425
Estimated total, before insurance$2,334/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,411/yr · $201/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

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Property taxes (est.): $414
Insurance (est.): $180
Estimated Total Monthly
$2,089
*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 D

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

Roof: Shingle — 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: ~1,725 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 October 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): $2,411/yr

Estimated taxes if purchased at asking price: ~$5,000/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

  • Oct 10, 2026Listed$270,000

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 $170/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2110 Stone Creek Drive B, Fleming Island, FL 32003Listed by INI REALTYSep 2026$295,000$1703/21,73730.1
1870 Copper Stone Drive F, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$295,000$2132/21,385680.2
1880 Copper Stone Drive B, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$292,000$1683/21,737640.3
1830 Copper Stone Drive E, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$290,000$1673/21,7371900.3
1890 Copper Stone Drive B, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYFeb 2026$280,000$1613/21,737610.3
2200 Marsh Hawk Lane 214, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$180,000$1782/11,01130.5

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

Price$270,000
Price / Sq Ft$195
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,385
Acres0.12 acres
Year Built2004
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address6350 Island Forest Drive A, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionStone Creek
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size5,227.2 sq ft
Parcel Number09052601417600932

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCorner Lot
Patio / PorchRear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 10, 2026
Days on Market0
HOA Fees$425 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure
Tax Amount$2,411.38
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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.

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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