$455,0003 bd · 2 ba · 1,931 sq ft
Active·5 days on market
1923 Harbor Island Drive
Fleming Island, FL 32003
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fleming Island
Welcome to 1923 Harbor Island Drive, a remodeled 3-bedroom, 2-bath lakefront home offering 1,931 square feet of living space in the Harbor Island neighborhood of Fleming Island. Featuring an open floor plan, an in-ground pool, and a two-car garage, this home brings together thoughtful updates and the appeal of waterfront living. The heart of the home is the kitchen, featuring a large center island and gourmet gas stove, with an easy flow into the main living area. An electric fireplace adds a welcoming touch, while the spa-inspired primary bathroom features an open shower concept and towel warming rack for an elevated everyday experience. A tankless water heater adds modern convenience. Step outside to a screened-in patio overlooking the lake, where an in-ground pool and backyard gazebo create inviting spaces for outdoor dining, entertaining, or simply enjoying the water views.
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1998)
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: ~1,686 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 November 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
Mickler's Landing Beachfront Parkabout 21 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 6 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 3 mi · Doctors Lake
Closest grocery store
Publixabout 4 mi · 6001 Argyle Forest Blvd, Jacksonville
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
2025 property taxes (current owner): $3,424/yr
Estimated taxes if purchased at asking price: ~$8,400/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
- Nov 4, 2026Active$455,000
- Oct 27, 2026Listed$455,000
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 $164/sq ft; this home is listed at $236/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1879 Harbor Island Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $365,000 | $193 | 3/2 | 1,888 | 1 | 0.1 |
| 1279 Pirates Cove Lane, Fleming Island, FL 32003Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORS | Sep 2026 | $336,000 | $161 | 4/2 | 2,082 | 19 | 0.1 |
| 1472 Marsh Rabbit Way, Fleming Island, FL 32003Listed by THE LEGENDS OF REAL ESTATE | Oct 2026 | $265,000 | $149 | 3/2 | 1,777 | 126 | 1.1 |
| 1477 Marsh Rabbit Way, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $235,000 | $164 | 3/2 | 1,429 | 2 | 1.1 |
| 1485 Marsh Rabbit Way, Fleming Island, FL 32003Listed by CHAD AND SANDY REAL ESTATE GROUP | Nov 2026 | $277,500 | $159 | 4/2 | 1,750 | 95 | 1.2 |
| 2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORP | Aug 2026 | $346,225 | $214 | 3/2 | 1,621 | 49 | 1.3 |
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
Broker Associate
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Is this home priced right?
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