Single Family Residence in Harvest Bend, Fleming Island · No CDD
Harvest Bend · Fleming Island, FL 32003 · Clay
Listing data updated September 29, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,907Sq Ft
1988Year Built
$236Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
26% above
$/sq ft vs community
$236 here vs $188 median sold (12 mo)
Buyer leverage
Strong seller market
7 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~14 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 29, 2026, 408 HARVEST BEND Drive in Harvest Bend, Fleming Island is listed at $449,990 (1,907 sq ft, about $236 per sq ft). That sits within a few percent of Harvest Bend's median closed sale of $425,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $188/sq ft by about 26%. It came to market within the past week. Listing facts: built in 1988, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1988 · 38 yrs
1,907 sq ft of living area
2-car garage
Listed at $449,990 — recent neighborhood median sale price ~$425,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Harvest Bend
Pricing & the Harvest Bend market
How this home is priced against recent nearby sales, and where Harvest Bend 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 Harvest Bend
Each dot is a closed sale since 2001 (103 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 $236/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 57 (normal).
Property timeline
This home’s history
1988BuiltPer public record
Aug 27, 2026First trackedObserved at $449,990 · 7 days on market
NowUnder contractCurrently pending
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
$3,058/mo
Principal & interest $2,402/mo79%
Taxes $368/mo12%
Insurance $238/mo8%
HOA $50/mo2%
$3,058/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $1,450/yr ($121/mo)
+$4,575 more each year
(+316%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$214,454
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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
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.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Flood safety (90), Market liquidity (89)
0 limited50100 exceptional
51/100 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 area0
This home $236/sq ft vs the community 12-month median $188/sq ft.
Affordability40
List price $449,990 vs the community median $425,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~14 ft elevation. Verify the parcel with FEMA.
Insurance cost60
From FEMA Zone X and a 1988 build. Obtain a property-specific quote.
Market liquidity89
Community median 14 days on market (12-month record).
Renovation upside44
From a 1988 build and $236/sq ft vs the community median $188/sq ft. Not a condition assessment.
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.
Market timing43
Momentum Market Heat is 57/100 (normal). 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
🟠 Seller-leaning conditions around this listing. 0.0 months of supply in the surrounding market and 7 days on market for this home, against a 14-day area median.Days on market:this home 7Area median: 14 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 10, 2026.
🟡 Asking $236 per square foot, about 26% above the community’s $188 median. Harvest Bend’s 12-month median sold price per square foot is $188. Median sold price per square foot is down 8.3% year over year. Confidence: Low · 3 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.
Recent Harvest Bend sales closed near 100.0% 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 August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated September 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to your beautifully renovated home in the quaint Harvest Bend community in Fleming Island. NO HOA or CDD fees! Nestled on a spacious 0.26-acre corner lot, this home immediately welcomes you with fantastic curb appeal, fresh landscaping, and a gorgeous new front door.
Just minutes to top rated schools, restaurants and shopping! Step inside to a thoughtfully renovated interior featuring brand-new luxury vinyl plank flooring, designer light fixtures, fresh interior paint, and updated finishes throughout. The chef's kitchen is the heart of the home, completely transformed with soft-close shaker-style white cabinetry, elegant gold hardware, a chic Zellige tile backsplash, and brand-new stainless steel appliances.
Enjoy casual meals in the eat-in kitchen or host dinner in the spacious formal dining room, which could also easily serve as a home office. The split-bedroom floor plan offers excellent privacy, with the secondary bedrooms located on one side of the home and the spacious primary suite tucked away on the opposite side. Step outside and enjoy your screened-in back patio and fully fenced backyard, perfect for relaxing, entertaining, or letting the family enjoy the outdoors.
Please note: The backyard is currently fenced around only a portion of the total yard, providing the opportunity to extend the fencing and utilize even more of the spacious lot. Additional updates include a new HVAC system, updated bathroom vanities, new bathroom shower faucets, new toilets, all-new baseboards, a new front door, and new back sliding doors. Beautifully updated, move-in ready, and offering plenty of space both inside and out, this is the one you've been searching for!
Schedule your private showing today.
All 45 photos
Description provided by KELLER WILLIAMS ST JOHNS 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$449,990
Bed / bath3 / 2
Living area1,907 sq ft
Year built1988
Property typeSingle Family Residence
Garage2-car
MLS #2161983
Listing statusNew — 7 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~14 ft
Windstorm exposureLow
CountyClay
Area listings0 active · 0 under contract
Estimated first-year tax~$4,410/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$236
Estimated monthly payment$3,058
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$425,000
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.
$314,655the mess$402,377
Actual list price: $449,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
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:
This home: 7 days on market vs. a 14-day community median
0 active listings competing, 1 under contract
3 closed here in the last 12 months
For reference, this home is listed at $449,990 ($236/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: 1,907 sq ft × $165–$211/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 29, 2026.
Keep looking
Similar homes for sale near Harvest Bend
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.
696 Frederic Drive, Fleming Island · $975,000 · 4 bd / 3.5 ba · listed September 26, 2026 (courtesy of KELLER WILLIAMS ST JOHNS)
1500 Calming Water Drive #1601, Fleming Island · $289,900 · 3 bd / 2.5 ba · listed September 26, 2026 (courtesy of MAXREV, LLC)
144 Oakwood Plantation Drive, Fleming Island · $480,000 · 3 bd / 3.0 ba · listed September 25, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
2479 Pinehurst Lane, Fleming Island · $524,000 · 4 bd / 3.5 ba · listed September 25, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
327 Scenic Point Lane, Fleming Island · $424,999 · 4 bd / 3.5 ba · listed September 24, 2026 (courtesy of EXIT MAGNOLIA POINT REALTY)
448 Pine Eagle Drive, Fleming Island · $595,000 · 3 bd / 2.5 ba · listed September 23, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
Transparency
Price & listing history
Listed for $449,990Momentum Realty · on market 7 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.)
~$4,410/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)
$2k–$4k/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 insurance not federally mandated (Zone X). 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
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
~14 ft
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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Listed by KELLER WILLIAMS ST JOHNS · MLS # 2161983
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Market data · public records
Recent sales activity in Harvest Bend
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 Harvest Bend neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$425,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$188
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Harvest Bend
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 · Builder
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
Why it matters: Adds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 7 miles southwest of Harvest Bend, elsewhere in Clay County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 4 miles south of Harvest Bend.
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.
PatersonAssigned elementary school · Clay County School District
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 Apr 2026
$369,000
426 HARVEST BEND Drive, Fleming Island
4 / 3 bd/ba · 1,959 sq ft · $188/sq ft
Courtesy of MANIFEST REALTY · View details →
Sold May 2026
$438,900
5977 STRAWFLOWER Lane, Fleming Island
4 / 2 bd/ba · 1,986 sq ft · $221/sq ft
Courtesy of INTEGRITY KEY REALTY LLC · View details →
Community 12-month median: $188/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.
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$2,062 – $3,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,052 – −$207At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 408 HARVEST BEND Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 1,907 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 $4,410/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 hourly (last: September 29, 2026)
Community market stats
realMLS closed sales, as of August 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 408 HARVEST BEND Drive and when was it built?
Per the listing record, 408 HARVEST BEND Drive was built in 1988 and has 1,907 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 408 HARVEST BEND Drive in?
408 HARVEST BEND Drive is in Harvest Bend in Fleming Island, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Harvest Bend from the same MLS data.
Does 408 HARVEST BEND Drive 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 408 HARVEST BEND Drive differ from the current owner's?
The estimate on this page (about $4,410 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 408 HARVEST BEND Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 408 HARVEST BEND Drive 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.
