Active Single Family Residence Open house Sat, Oct 17, 11 AM–2 PM
$439,000
4-Bedroom Home in The Woodlands

1739 Moss Creek Drive, Fleming Island, FL 32003

Single Family Residence in The Woodlands, Fleming Island · No CDD on record
The Woodlands · Fleming Island, FL 32003 · Clay County
Listing data updated October 12, 2026 at 10:36 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
2,081Sq Ft
2003Year Built
$211Per Sq Ft
2-car garageNo CDD on record4 bedrooms
Open house
  • Sat, Oct 17, 11 AM–2 PM
  • Sun, Oct 18, 1 PM–3 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Highlights

As of October 12, 2026, 1739 MOSS CREEK Drive in The Woodlands, Fleming Island is listed at $439,000 (2,081 sq ft, about $211 per sq ft). It came to market within the past week. Listing facts: built in 2003, HOA dues of $7/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2003 · 23 yrs
  • 2,081 sq ft of living area
  • 2-car garage
  • Active listing
  • HOA $7/mo (per listing)
Listing description

About this home

SELLER OFFERING $5,000 TOWARD BUYER CLOSING COSTS, PREPAIDS OR RATE BUYDOWN WITH ACCEPTABLE OFFER! Welcome to 1739 Moss Creek Drive, a beautifully maintained home in Fleming Island Plantation that truly shows like a model! Step inside to a soaring cathedral ceiling, abundant natural light and an inviting floor plan designed for everyday living and entertaining.

The spacious dining area opens to an updated kitchen with plenty of cabinet and counter space. The owner's suite, with a large bathroom and walk-in closet, is conveniently located on the main floor, with three additional spacious bedrooms upstairs, including one with a second walk-in closet. Step outside to a beautifully landscaped backyard, which sits on a nature preserve and offers a perfect spot for relaxing or entertaining, complete with an included hot tub, fire pit and dining space.

A water softener and filtration system also are provided with the home, and a BRAND-NEW HOT WATER HEATER was installed in October 2026. Fleming Island Plantation includes an abundance of recreation and amenities, including three swimming pools, playgrounds, tennis and pickleball courts, basketball courts, a pub/restaurant and a public golf course. The development includes two top-rated schools — an elementary school and a high school — and the surrounding area is replete with shopping, dining and all the necessities.

This home has been exceptionally well cared for and is truly move-in ready. With its model-home presentation, desirable floor plan, main-floor owner's suite, beautiful outdoor space and $5,000 seller concession with an acceptable offer, 1739 Moss Creek Drive offers buyers an opportunity that's well worth seeing in person. Schedule your showing and come see what makes this home special!

All 84 photos

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Description provided by UNITED REAL ESTATE GALLERY and reproduced from the MLS; not independently verified.

Listing courtesy of UNITED REAL ESTATE GALLERYProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
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$439,000
Bed / bath4 / 2.5
Living area2,081 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #2168641
Listing statusActive

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
CountyClay
Estimated first-year tax~$5,850/yr
CDD assessmentNone on record
HOA$7/mo

Calculated estimates

Price per sq ft$211
Estimated monthly payment$3,112
Insurance (illustrative)$2k–$3k/yr

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
Financing

Estimated monthly payment

$3,112/mo
  • Principal & interest $2,432/mo 78%
  • Taxes $488/mo 16%
  • Insurance $186/mo 6%
  • HOA $7/mo 0%

$3,112/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$5,850/yr
≈ $488/mo·effective rate ~1.33%
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $4,475/yr ($373/mo) — taxable value $297,174 × 15.05 mills
$1,375 more each year
(+31%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$82,608
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$379,782
Market value
$347,896
Assessed
$297,174
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

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.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$3k/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
$7/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

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

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Property timeline

This home’s history

  • 2003BuiltPer public record
  • Oct 12, 2026First seen on movewithmomentum.comObserved at $439,000
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $439,000Momentum Realty · on market 0 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in Clay County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for The Woodlands. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

The Messtimate™

The Messtimate

Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Clay County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.

Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.

Methodology: the range would be 2,081 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 12, 2026.

Seen enough photos?

Want to see 1739 MOSS CREEK Drive?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by UNITED REAL ESTATE GALLERY · MLS # 2168641

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Keep looking

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The street

Every home on Moss Creek Drive: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

Go deeper

More on The Woodlands

Go deeper on The Woodlands

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.

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
ThunderboltAssigned 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)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 1739 MOSS CREEK Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2003 (23 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $7/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • 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 2,081 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 $5,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,375 more per year than the current owner’s estimated bill (+31%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 12, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Clay County — no medians or automated estimate shown
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 1739 MOSS CREEK Drive and when was it built?

Per the listing record, 1739 MOSS CREEK Drive was built in 2003 and has 2,081 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 1739 MOSS CREEK Drive in?

1739 MOSS CREEK Drive is in The Woodlands in Fleming Island, Clay County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 1739 MOSS CREEK Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $7 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 1739 MOSS CREEK Drive differ from the current owner's?

The estimate on this page (about $5,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,375 more per year than the current owner’s estimated bill (+31%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 1739 MOSS CREEK Drive 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.

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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.