Single Family Residence in Fleming Island Estat · No CDD
Fleming Island Estat · Fleming Island, FL 32003 · Clay
Listing data updated August 7, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,522Sq Ft
2003Year Built
$230Per Sq Ft
No 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.
19% above
$/sq ft vs community
$230 here vs $194 median sold (12 mo)
Buyer leverage
Strong seller market
2 days on market
2.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$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 $350k is at or below all 1 recent closed sales
Listed at $350,000 — recent neighborhood median sale price ~$405,000 (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
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 (1908 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 $230/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 21 (cold).
Property timeline
This home’s history
2003BuiltPer public record
Aug 7, 2026First trackedObserved at $350,000
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
$2,258/mo
Principal & interest $1,773/mo79%
Taxes $286/mo13%
Insurance $148/mo7%
HOA $50/mo2%
$2,258/mo at 20% down, 30-yr @ 6.52% · 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 $975/yr ($81/mo)
+$3,550 more each year
(+364%)
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
$193,382
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.
Momentum Scores
Momentum Property Score
64/100
Strongest on: Buyer competition (100), Flood safety (95)
0 limited50100 exceptional
64/100 is solid, mid-pack 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 area4
This home $230/sq ft vs the community 12-month median $194/sq ft.
Affordability73
List price $350,000 vs the community median $405,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost71
From FEMA Zone X and a 2003 build. Obtain a property-specific quote.
Market liquidity62
Community median 62 days on market, ~2.2 months of supply (12-month record).
Renovation upside26
From a 2003 build and $230/sq ft vs the community median $194/sq ft. Not a condition assessment.
Buyer competition100
0% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power66
Recent sales closed at about 94.8% of original asking (~5.2% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (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
🟠 Seller-leaning conditions around this listing. 2.2 months of supply in the surrounding market and 2 days on market for this home, against a 62-day area median.Days on market:this home 2Area median: 62 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 5, 2026.
🟡 Asking $230 per square foot, about 19% above the community’s $194 median. Fleming Island Plantation’s 12-month median sold price per square foot is $194. Median sold price per square foot is down 9.0% year over year. Confidence: Very High · 40 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.
100% of homes in Fleming Island Plantation are owner-occupied. An estimated 0% are non-owner-occupied, including 0% held in a company or trust and 0% 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), 1 homes matched. Community-level context.
Recent Fleming Island Plantation sales closed near 94.8% of original asking. Cash paid for about 0% of recent closings here.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 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in Fleming Island Plantation, no CDD assessment.
Updated August 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Charming, move-in ready single-family home with upgrades and no HOA or CDD. Freshly painted inside and out, this home features a new roof, new A/C, new water heater, and newer appliances for worry-free living. Enjoy privacy in the large fenced backyard including a screen porch with vinyl windows for year round comfort-- ideal for kids, pets, or outdoor entertaining -- plus an extra-large parking area with room for boats, RVs, or multiple vehicles.
Bright, clean interiors and well-maintained systems make this a great value and a quick-close candidate. Convenient location and strong curb appeal -- ready for your buyer to call home.
Description provided by AJ REALTY GROUP FLORIDA 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$350,000
Bed / bath3 / 2
Living area1,522 sq ft
Year built2003
Property typeSingle Family Residence
MLS #2158898
Listing statusNew — 2 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyClay
Area listings7 active · 3 under contract
Estimated first-year tax~$3,430/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$230
Estimated monthly payment$2,258
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$405,000
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.
$260,262the mess$330,274
Actual list price: $350,000 — 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:
This home: 2 days on market vs. a 62-day community median
8 active listings competing, 3 under contract
≈2.2 months of supply
40 closed here in the last 12 months
For reference, this home is listed at $350,000 ($230/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: 1,522 sq ft × $171–$217/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 7, 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 $350,000Momentum Realty · on market 2 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.)
~$3,430/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)
$1k–$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 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
~20 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.
Market data · public records
Recent sales activity in Fleming Island Estat
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
$405,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$194
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 Island Elementary SchoolPublic K-6 (Clay County) · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lakeside Junior High SchoolPublic 7-9 · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fleming Island High SchoolPublic 9-12 · Clay County School District · Grade A (Florida DOE 2025-26)
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: $194/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$1,604 – $2,333/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−$703 – −$47At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 7, 2026)
Community market stats
realMLS closed sales, as of August 5, 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
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 971 FLORIDA 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.
