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Single Family ResidenceResidential
$329,379$208 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1040 CLAY ST

FLEMING ISLAND, FL 32003
3
Beds
2
Baths
1,586 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$329K
$306K low$353K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,339 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$127,903 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,299
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$275,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
27
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
95
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyClay
Lot (acres)The size of the land the home sits on, from county records.0.34
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 48 ft²Porch · 304 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Fleming Island High SchoolA-
High · Grades 9–12 · 2.0 mi
E
Paterson Elementary SchoolA+
Elementary · Grades KG–6 · 2.9 mi
M
Green Cove Springs Junior High SchoolA
Middle · Grades 7–8 · 4.8 mi

District: Clay County School District

Neighborhood · ZIP 32003These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.27
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.32,060
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,140 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$123,438
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$145,427
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1040 Clay St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Fleming Island 32003
  • Costs more per square foot than 79% of homes in Clay County
  • Smaller than 87% of homes in Fleming Island 32003
  • Has a bigger lot than 71% of homes in Fleming Island 32003
  • Older than 93% of homes in Fleming Island 32003

What homes are worth in Fleming Island 32003

Each bar is how many homes fall in that price range. The marker is this home.

This home
$171K$1.1M

This home is worth more than 17% of homes in Fleming Island 32003.

How it measures up in Fleming Island 32003

The dot is this home. The mark in the middle is the typical home in Fleming Island 32003.

Estimated value$329,379
CheaperTypical $441,460Pricier

Pricier than 17% of homes nearby

Price per ft²$208
CheaperTypical $206Pricier

Pricier than 55% of homes nearby

Living area1,586 ft²
SmallerTypical 2,174 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.34 ac
SmallerTypical 0.25 acBigger

Bigger than 71% of homes nearby

Year built1984
OlderTypical 2000Newer

Newer than 7% of homes nearby

How 1040 Clay St ranks against every home in each area.
MeasureThis homeFleming Island 32003Clay County
Estimated valuepricier than$329,37917% of homes48% of homes
Price per ft²pricier than$20855% of homes79% of homes
Living areabigger than1,586 ft²13% of homes35% of homes
Lot sizebigger than0.34 ac71% of homes59% of homes
Year builtnewer than19847% of homes26% of homes

About 1040 Clay St

How much is 1040 Clay St, Fleming Island, FL worth?

The TopHap Estimate for 1040 Clay St, Fleming Island, FL is $329,379 as of Aug 30, 2026. The likely range is $305,522 to $353,236. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 1040 Clay St, Fleming Island, FL?

1040 Clay St, Fleming Island, FL has 3 bedrooms, 2 bathrooms, 1,586 square feet of living space and a 0.34-acre lot.

When was 1040 Clay St, Fleming Island, FL built?

1040 Clay St, Fleming Island, FL was built in 1984, making it 42 years old. The building has 1 story.

What schools serve 1040 Clay St, Fleming Island, FL?

1040 Clay St, Fleming Island, FL is assigned to Fleming Island High School (high), rated A-; Paterson Elementary School (elementary), rated A+; Green Cove Springs Junior High School (middle), rated A. All sit in Clay County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1040 Clay St, Fleming Island, FL compare to other homes in Fleming Island 32003?

Among the 10,549 homes in Fleming Island 32003, it is worth more than 17% of them ($329,379 against a typical $441,460), its price per square foot is higher than 55% of them ($208 against a typical $206), it is bigger than 13% of them (1,586 ft² against a typical 2,174 ft²), its lot is bigger than 71% of them (0.34 ac against a typical 0.25 ac) and it is newer than 7% of them (1984 against a typical 2000). Measured against all of Clay County, it is worth more than 48% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1040 Clay St, Fleming Island, FL?

The 2025 property tax bill for 1040 Clay St, Fleming Island, FL was $1,339. The county assessed it at $127,903.

More homes on Clay St

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Assigned schools

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