Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$599,900

2300 PINE NEEDLE Court, Fleming Island, FL 32003

Chatham Village

Price
$599,900
Beds / Baths
5 / 3
Living area
3,230 sqft
Year built
2001
Type
Residential
Lot
0.3 ac
Garage
3
HOA
$6/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
158
Elementary
Thunderbolt
Middle
Green Cove Springs
High school
Fleming Island

$186/sqft asking, vs a $212/sqft median across 610 closed sales in 32003 over the last 12 months — 13% below the area's closed prices. Condition and lot vary; that's what a showing is for.

TUCKED AWAY ON A QUIET CUL-DE-SAC, THIS WATERFRONT HOME OFFERS RARE PRIVACY IN FLEMING ISLAND, BACKING TO A SERENE PRESERVE WITH NO REAR NEIGHBORS. THIS 5-BEDROOM, 3-BATH HOME WITH A BONUS ROOM FEATURES FRESH INTERIOR PAINT AND NEW CARPET UPSTAIRS, MAKING IT MOVE-IN READY. THE KITCHEN INCLUDES GRANITE COUNTERTOPS, STAINLESS STEEL APPLIANCES, A BREAKFAST BAR, AND AN EAT-IN AREA. A BRIGHT TWO-STORY LIVING AND DINING SPACE SHOWCASES CUSTOM BUILT-INS AND DETAILED TRIM WORK. UPSTAIRS, THE SPACIOUS PRIMARY SUITE OFFERS PEACEFUL WATER VIEWS, DUAL VANITIES, A GARDEN TUB, AND A CUSTOM CLOSET. ENJOY THE SCREENED LANAI OVERLOOKING A FULLY FENCED BACKYARD WITH ROOM FOR A POOL--PERFECT FOR FLORIDA LIVING. LOCATED IN A HIGHLY DESIRABLE COMMUNITY WITH AMAZING AMENITIES, LOW HOA FEES, AND CONVENIENT ACCESS TO SHOPPING, DINING, AND TOP-RATED SCHOOLS. SCHEDULE YOUR PRIVATE SHOWING TODAY!

What to check on this one

  • Verify roof age and get 4-point inspection quote—home is 25 years old.
  • Confirm flood zone designation and request elevation certificate for waterfront property.
  • Obtain CDD bond payoff amount and current assessment details.
  • Request HOA documents confirming $6/mo fee and any rental restrictions.
  • Have plumber inspect for polybutylene or cast-iron plumbing (pre-1995 concern).
  • Verify seawall/bulkhead condition and any required maintenance agreements.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,113/mo
Property tax (1.1% eff., Clay Co.)$550/mo
Homeowners insurance (est.)$350/mo
HOA$6/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$4,186/mo

Loan $479,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of ISLAND SIDE REALTY. Data via realMLS (Northeast Florida MLS), updated Jun 29, 2026, 10:28 PM.

IDX information is provided exclusively 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. Information is deemed reliable but not guaranteed.