1880 COPPER STONE Drive #E, Fleming Island, FL 32003
Single Family Residence in Fleming Island · No CDD · FEMA Zone X
Fleming Island · Fleming Island, FL 32003 · Clay
Listing data updated July 10, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,737Sq Ft
2005Year Built
$152Per Sq Ft
2-car garageNo CDDFEMA Zone X
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2005 · 21 yrs
1,737 sq ft of living area
2-car garage
$152/sq ft — compared with the displayed median of $216 from recent nearby sales
Listed at $264,400 — recent neighborhood median sale price ~$372,500 (nearby sales; deemed reliable, not an appraisal)
New to market
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
This listing is shown at $264,400, with 3 bedrooms and 2 bathrooms, and 1,737 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms3
Bathrooms2
Living area1,737 sq ft
Year built2005
Property typeSingle Family Residence
Financial
Est. monthly payment$1,753
Est. taxes / yr~$2,591
Est. insurance / yr~$1,299
HOA$50/mo
CDDNone on record
Price / sq ft$152
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,299/yr
Market
Days on market6
Neighborhood median DOM34
Active listings (area)7
Months of supply2.0
Comparable-sales median$372,500
This home6d
Area median34d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,299/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.0 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
55/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$1,753/mo
Principal & interest $1,379/mo79%
Taxes $216/mo12%
Insurance $108/mo6%
HOA $50/mo3%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
76/100
Strongest on: Price vs area (100), Affordability (98)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area100
This home $152/sq ft vs area median $216/sq ft from recent nearby sales.
Affordability98
List price $264,400 vs area median $372,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2005 build. Obtain a property-specific quote.
Market liquidity74
Area median 34 days on market, ~2.0 months of supply.
Investment metrics49
Objective supply and demand metrics for the area - not investment advice.
Renovation upside43
From a 2005 build and $152/sq ft vs area $216/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$264,400
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
1,737
Living area
Sq ft (approx.)
$152
Price / sq ft
List ÷ living area
The home
Year built2005
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$2,591/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
The Messtimate™
The Messtimate: $330,030 – $420,354
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.
$330,030the mess$420,354
Actual list price: $264,400 — 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, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 6 days on market vs. a ~34-day neighborhood median
7 active listings competing in Fleming Island
2 under contract now
22% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.0 months of supply (one market-context metric; should not be used alone)
1 new-construction home competing
Median sale price is up 12% over the last 80 months
Homes here sell at about 98.6% of list price
42 closed here in the last 12 months
For reference, this home is listed at $264,400 ($152/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: 1,737 sq ft × $190–$242/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Fleming Island market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
7Active listings
2Under contract
1New this month
2.0Months of supply
34Median days on market
22%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2005BuiltPer public record
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.
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$1,212 – $1,763/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$576 – −$80At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$264,400
Bed / bath3 / 2
Living area1,737 sq ft
Year built2005
Property typeSingle Family Residence
MLS #2153711
Listing statusNew — 6 days on market
Days on market6
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyClay
Estimated first-year tax~$2,591/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$152
Estimated monthly payment$1,753
Estimated insurance~$1,299/yr
Messtimate rangeNot available on this page
Comparable-sales median$372,500
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$1,753
Principal & interest$1,379
Property tax$216
Insurance$108
CDD assessment$0
HOA$50
PMI$0
Down payment $52,880 · Loan $211,520. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$2,591/yr
The seller likely pays less due to the homestead cap. At a $264,400 purchase, expect your first full-year Clay bill near $2,591 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,299/yr
Estimate for a 2005 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
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
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Fleming Island
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 neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Median sale price (set)
$372,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$216
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$152
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Fleming Island
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.
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
In the area
Recent Fleming Island news
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.
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.
Fleming Island Elementary SchoolPublic K-6 (Clay County) · Clay County School District
Lakeside Junior High SchoolPublic 7-9 · Clay County School District
Fleming Island High SchoolPublic 9-12 · Clay County School District
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 Apr 2026
$385,000
4635 PINE Avenue, Fleming Island
3 / 2 bd/ba · 1,416 sq ft · $272/sq ft
Courtesy of JWB REALTY LLC · View details →
Sold Jun 2026
$360,000
1355 CLAY Street, Fleming Island
4 / 3 bd/ba · 2,236 sq ft · $161/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of the set: $216/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.
Keep looking
Similar homes for sale near Fleming Island
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Enjoy the ease of single story living in this spacious 3 bedroom, 2 bathroom townhome offering over 1,700 square feet in desirable Fleming Island. Designed with comfort and functionality in mind, the open layout provides generous living and dining areas, a spacious primary suite, and the convenience of a 2 car garage. Well maintained and ready for its next owner, this home presents a wonderful opportunity to update and personalize to your own style. Conveniently located near shopping, dining, parks, top rated Clay County schools, and major commuter routes, this home offers the perfect blend of space, convenience, and low maintenance living. Schedule your private showing today!
Description provided by JOSEPH WALTER REALTY LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2
Living area1,737 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2005
Age21 yrs
Listing
MLS #2153711
StatusActive
Days on market6
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $264,400Momentum Realty · on market 6 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 1880 COPPER STONE Drive #E 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.
Momentum Realty · licensed in FL & GA
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.
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.
