$365,000
1879 HARBOR ISLAND Drive, Fleming Island, FL 32003, Fleming Island, FL 32003
Harbor Island
- Price
- $365,000
- Beds / Baths
- 3 / 2
- Living area
- 1,888 sqft
- Year built
- 1998
- Type
- Residential
- Lot
- 0.48 ac
- Garage
- 2
- HOA
- $23/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Clay
- Days on market
- 4
Rare Fleming Island opportunity with below-market owner financing available! This beautifully maintained 3-bedroom, 2-bathroom home boasts 1,888 square feet of thoughtfully designed living space perfectly blending classic warmth with modern ease. The generous floor plan features rich, real hardwood floors throughout the main living areas, cozy newer carpet in the bedrooms, and low-maintenance tile in the kitchen and baths. At the heart of the home, a wood-burning fireplace with a traditional mantel anchors the inviting living area. Step outside to your private outdoor oasis--a screened lanai with durable epoxy flooring opening up to stunning, unobstructed views of a peaceful nature preserve. Beautifully groomed, mature landscaping offers maximum curb appeal with minimal maintenance. Skip the bank hassle and beat today's high rates; the seller is offering exclusive owner financing below market rates with a 20% down payment. Schedule your tour today!
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate if AE/VE
- Confirm roof age and condition; get 4-point inspection quote
- Review owner-financing contract terms: rate, amortization, balloon clause, due-on-sale
- Inspect plumbing materials; 1998 build may have polybutylene
- Verify HOA $23/mo covers what; confirm no special assessments pending
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
Loan $292,000 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 6:40 AM.
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