Single Family Residence in Fleming Island Estat · No CDD · Built 2025
Fleming Island Estat · Fleming Island, FL 32003 · Clay
Listing data updated September 11, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,615Sq Ft
2025Year Built
$204Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
5% above
$/sq ft vs community
$204 here vs $195 median sold (12 mo)
Buyer leverage
Balanced market
3.9-month supply
3.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 1
Price vs recent sales
Asking $330k is at or below all 1 recent closed sales
As of September 11, 2026, 1229 FLOYD FLOYD Street in Fleming Island Estat, Fleming Island is listed at $329,900 (1,615 sq ft, about $204 per sq ft). That is 16% below Fleming Island Estat's median closed sale of $394,275 over the last 12 months (34 recorded sales). It came to market within the past week. Listing facts: built in 2025, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2025 · 1 yrs
1,615 sq ft of living area
2-car garage
Listed at $329,900 — recent neighborhood median sale price ~$394,275 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA ~$50/mo (estimate; confirm)
School district: Schools Fleming Island is served by the Clay County SchoolCommunity built 1972–2013Mojo Smokehouse · 3 min driveAldi · 4 min driveVillage Square · 4 min drive
Momentum Research · Fleming Island Plantation
Pricing & the Fleming Island Plantation market
How this home is priced against recent nearby sales, and where Fleming Island Plantation has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Fleming Island Plantation
Each dot is a closed sale since 2001 (1910 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $204/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 20 (cold).
Property timeline
This home’s history
2025BuiltPer public record
Sep 11, 2026First trackedObserved at $329,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,113/mo
Principal & interest $1,705/mo81%
Taxes $269/mo13%
Insurance $89/mo4%
HOA $50/mo2%
$2,113/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Strongest on: Market timing (80), Affordability (77)
0 limited50100 exceptional
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area38
This home $204/sq ft vs the community 12-month median $195/sq ft.
Affordability77
List price $329,900 vs the community median $394,275. Not a measure of personal affordability.
Market liquidity62
Community median 36 days on market, ~3.9 months of supply (12-month record).
Renovation upside10
From a 2025 build and $204/sq ft vs the community median $195/sq ft. Not a condition assessment.
Pricing power60
Recent sales closed at about 95.9% of original asking (~4.1% below). More room below asking generally favors buyers.
Market timing80
Momentum Market Heat is 20/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $204 per square foot, about 5% above the community’s $195 median. Fleming Island Plantation’s 12-month median sold price per square foot is $195. Median sold price per square foot is down 13.3% year over year. Confidence: Very High · 34 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
65% of homes in Fleming Island Plantation are owner-occupied. An estimated 35% are non-owner-occupied, including 11% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 387 homes matched. Community-level context.
Recent Fleming Island Plantation sales closed near 95.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Fleming Island Plantation, no CDD assessment.
Updated September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Three bedroom, two bath, single story home on Fleming Island. True single-level comfort, with zero stairs to navigate. Open Floor Plan; Split Bedroom Design; Upgraded Shaker Cabinets; Granite Tops; Upgraded Appliances; Vaulted Ceilings in the Kitchen, Living and Dining areas.
Home includes a large kitchen island, large master closet. Home is 1 year old, built in 2025. Situated on an oversized lot for the neighborhood, complete with a fully fenced yard.
Description provided by GIFFORD PROPERTIES & MANAGEMENT INC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$329,900
Bed / bath3 / 2
Living area1,615 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #2164338
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings11 active · 4 under contract
Estimated first-year tax~$3,233/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$204
Estimated monthly payment$2,113
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$394,275
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$277,780the mess$352,070
Actual list price: $329,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
13 active listings competing, 4 under contract
≈3.9 months of supply
34 closed here in the last 12 months
For reference, this home is listed at $329,900 ($204/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,615 sq ft × $172–$218/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 11, 2026.
Keep looking
Similar homes for sale near Fleming Island Estat
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $329,900Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,233/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Fleming Island Estat neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$394,275
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$195
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Fleming Island Estat
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Infrastructure
Doctors Lake Drive milling and resurfacing underway
Crews began a milling and resurfacing project on Doctors Lake Drive from Peoria Road to Kingsley Avenue in early June. Both phases are expected to wrap in late 2026, with detours in place during the work, as part of a broader set of Clay County road improvements in the Fleming Island and Orange Park area.
Why it matters: Roadwork on a key Fleming Island route may cause near-term detours but improves a heavily used corridor once finished, with schedules subject to weather.
Fleming Island Medical Plaza on US-17 sells to Atlanta-based buyer
CBRE advised the sale of the 82,790-square-foot, two-building Fleming Island Medical Plaza at 4565 and 4575 U.S. Highway 17 to SG Property Services. The outpatient medical park, completed in 2010 and roughly 89% leased, sits between Baptist Medical Center Clay and HCA Florida Orange Park Hospital. Sellers were Accretiv Group and Lincoln Property Company.
Why it matters: Institutional interest in US-17 medical real estate may signal continued confidence in the corridor as an outpatient care hub, which could support surrounding commercial demand over time.
Parker's Kitchen planned for Creighton Road and US-17 corner
Parker's Kitchen, a Southern-inspired fuel and convenience concept, is planned for the southwest corner of Creighton Road and U.S. Highway 17. Plans call for a 5,204-square-foot store with fuel pumps and 51 parking spaces. The Fleming Island site is one of several the chain has targeted across Northeast Florida.
Why it matters: A new fuel-and-food anchor at a busy US-17 intersection could increase commercial activity at that node, though opening timing remained unconfirmed as of reporting.
Grumpy's Restaurant to open sixth location on East West Parkway
Grumpy's Restaurant plans to open a Fleming Island diner at 1803 East West Parkway in the former Dick's Wings & Grill space. The breakfast, brunch, and lunch concept will add a private room, a kids' game area, and a full-service bar. Opening is targeted for the second quarter of 2026.
Why it matters: A converted vacant restaurant space returning to use may help keep an established retail strip occupied, which could support nearby foot traffic.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Aldi 4 min
Dining
Mojo Smokehouse 3 min
Shopping
Village Square 4 min
Parks
Thunderbolt Park 6 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Fleming IslandAssigned elementary school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Green Cove SpringsAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fleming IslandAssigned high school · Clay County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$415,000
880 CLAY Street, Fleming Island
4 / 2 bd/ba · 1,759 sq ft · $236/sq ft
Courtesy of INI REALTY · View details →
Community 12-month median: $195/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,512 – $2,199/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$646 – −$27At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1229 FLOYD FLOYD Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,615 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,233/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 11, 2026)
Community market stats
realMLS closed sales, as of September 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1229 FLOYD FLOYD Street and when was it built?
Per the listing record, 1229 FLOYD FLOYD Street was built in 2025 and has 1,615 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1229 FLOYD FLOYD Street in?
1229 FLOYD FLOYD Street is in Fleming Island Estat in Fleming Island, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Fleming Island Estat from the same MLS data.
Does 1229 FLOYD FLOYD Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 1229 FLOYD FLOYD Street differ from the current owner's?
The estimate on this page (about $3,233 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1229 FLOYD FLOYD Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1229 FLOYD FLOYD Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
