Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$582,056$225 / 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 96How 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
Last sold for $320,000 on Sep 9, 2004

2186 HARBOR LAKE DR

FLEMING ISLAND, FL 32003
5
Beds
4
Baths
2,588 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$582K
$559K low$605K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$320,000 · Sep 9, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,965 (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.$300,092 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$291,635
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$486,825

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.43
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.0.26
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 · 297 ft²

Transaction History(2)

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.

E
Fleming Island Elementary SchoolA+
Elementary · Grades KG–6 · 0.5 mi
H
Fleming Island High SchoolA
High · Grades 9–12 · 2.3 mi
M
Lakeside Junior High SchoolA
Middle · Grades 7–8 · 2.6 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%

Owner Tools

Do you own this home?
Claim this home

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

2186 Harbor Lake Dr 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 more than 93% of homes in Clay County
  • Costs more per square foot than 89% of homes in Clay County
  • Bigger than 86% of homes in Clay County

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
$167K$1.1M

This home is worth more than 78% 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$582,056
CheaperTypical $450,759Pricier

Pricier than 78% of homes nearby

Price per ft²$225
CheaperTypical $210Pricier

Pricier than 77% of homes nearby

Living area2,588 ft²
SmallerTypical 2,174 ft²Bigger

Bigger than 71% of homes nearby

Lot size0.25 ac
SmallerTypical 0.25 acBigger

Bigger than 51% of homes nearby

Year built1999
OlderTypical 2000Newer

Newer than 49% of homes nearby

How 2186 Harbor Lake Dr ranks against every home in each area.
MeasureThis homeFleming Island 32003Clay County
Estimated valuepricier than$582,05678% of homes93% of homes
Price per ft²pricier than$22577% of homes89% of homes
Living areabigger than2,588 ft²71% of homes86% of homes
Lot sizebigger than0.25 ac51% of homes46% of homes
Year builtnewer than199949% of homes53% of homes

About 2186 Harbor Lake Dr

How much is 2186 Harbor Lake Dr, Fleming Island, FL worth?

The TopHap Estimate for 2186 Harbor Lake Dr, Fleming Island, FL is $582,056 as of Sep 24, 2026. The likely range is $559,088 to $605,024. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2186 Harbor Lake Dr, Fleming Island, FL last sell?

2186 Harbor Lake Dr, Fleming Island, FL last sold on Sep 9, 2004 for $320,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2186 Harbor Lake Dr, Fleming Island, FL?

2186 Harbor Lake Dr, Fleming Island, FL has 5 bedrooms, 4 bathrooms, 2,588 square feet of living space and a 0.26-acre lot.

When was 2186 Harbor Lake Dr, Fleming Island, FL built?

2186 Harbor Lake Dr, Fleming Island, FL was built in 1999, making it 27 years old. The building has 2 stories.

What schools serve 2186 Harbor Lake Dr, Fleming Island, FL?

2186 Harbor Lake Dr, Fleming Island, FL is assigned to Fleming Island Elementary School (elementary), rated A+; Fleming Island High School (high), rated A; Lakeside 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 2186 Harbor Lake Dr, 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 78% of them ($582,056 against a typical $450,759), its price per square foot is higher than 77% of them ($225 against a typical $210), it is bigger than 71% of them (2,588 ft² against a typical 2,174 ft²), its lot is bigger than 51% of them (0.25 ac against a typical 0.25 ac) and it is newer than 49% of them (1999 against a typical 2000). Measured against all of Clay County, it is worth more than 93% 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 2186 Harbor Lake Dr, Fleming Island, FL?

The 2025 property tax bill for 2186 Harbor Lake Dr, Fleming Island, FL was $3,965. The county assessed it at $300,092.

More homes on Harbor Lake Dr

Closest homes

More homes in Fleming Island 32003

Assigned schools

Explore the area

See this home in context

Open 2186 Harbor Lake Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map