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Single Family ResidenceResidential
$379,249$286 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 OLD HARD RD

FLEMING ISLAND, FL 32003
2
Beds
1
Baths
1,328 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.
1.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1950
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$379K
$349K low$409K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,827 (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.$185,364 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$76,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$108,564
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$185,364
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$185,364

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.41
1
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.
96
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
68
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.
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.1.92
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Porch · 370 ft²

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

E
Thunderbolt Elementary SchoolA
Elementary · Grades KG–6 · 1.2 mi
H
Fleming Island High SchoolA
High · Grades 9–12 · 1.4 mi
M
Green Cove Springs Junior High SchoolA-
Middle · Grades 7–8 · 7.9 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

109 Old Hard Rd 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 71% of homes in Fleming Island 32003
  • Costs more per square foot than 98% of homes in Clay County
  • Smaller than 93% of homes in Fleming Island 32003
  • Has a bigger lot than 98% of homes in Fleming Island 32003
  • Among the oldest 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
$170K$1.1M

This home is worth more than 29% 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$379,249
CheaperTypical $450,000Pricier

Pricier than 29% of homes nearby

Price per ft²$286
CheaperTypical $210Pricier

Pricier than 97% of homes nearby

Living area1,328 ft²
SmallerTypical 2,163 ft²Bigger

Bigger than 7% of homes nearby

Lot size1.92 ac
SmallerTypical 0.25 acBigger

Bigger than 98% of homes nearby

Year built1950
OlderTypical 2000Newer

Older than almost all homes nearby

How 109 Old Hard Rd ranks against every home in each area.
MeasureThis homeFleming Island 32003Clay County
Estimated valuepricier than$379,24929% of homes66% of homes
Price per ft²pricier than$28697% of homes98% of homes
Living areabigger than1,328 ft²7% of homes19% of homes
Lot sizebigger than1.92 ac98% of homes92% of homes
Year builtnewer than1950almost no homesalmost no homes

About 109 Old Hard Rd

How much is 109 Old Hard Rd, Fleming Island, FL worth?

The TopHap Estimate for 109 Old Hard Rd, Fleming Island, FL is $379,249 as of Sep 24, 2026. The likely range is $349,115 to $409,383. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Old Hard Rd, Fleming Island, FL last sell?

109 Old Hard Rd, Fleming Island, FL last sold on Apr 18, 1989, according to the county's recorded deed.

How big is 109 Old Hard Rd, Fleming Island, FL?

109 Old Hard Rd, Fleming Island, FL has 2 bedrooms, 1 bathrooms, 1,328 square feet of living space and a 1.92-acre lot.

When was 109 Old Hard Rd, Fleming Island, FL built?

109 Old Hard Rd, Fleming Island, FL was built in 1950, making it 76 years old. The building has 1 story.

What schools serve 109 Old Hard Rd, Fleming Island, FL?

109 Old Hard Rd, Fleming Island, FL is assigned to Thunderbolt Elementary School (elementary), rated A; Fleming Island High School (high), 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 109 Old Hard Rd, 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 29% of them ($379,249 against a typical $450,000), its price per square foot is higher than 97% of them ($286 against a typical $210), it is bigger than 7% of them (1,328 ft² against a typical 2,163 ft²), its lot is bigger than 98% of them (1.92 ac against a typical 0.25 ac) and it is newer than almost none of them (1950 against a typical 2000). Measured against all of Clay County, it is worth more than 66% 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 109 Old Hard Rd, Fleming Island, FL?

The 2025 property tax bill for 109 Old Hard Rd, Fleming Island, FL was $2,827. The county assessed it at $185,364.

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