Single Family Residence in Eagle Harbor, Fleming Island · No CDD · FEMA Zone X
Eagle Harbor · Fleming Island, FL 32003 · Clay
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,582Sq Ft
2003Year Built
$213Per Sq Ft
Waterfront3-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2003 · 23 yrs
2,582 sq ft of living area
3-car garage
$213/sq ft — compared with the displayed median of $222 from recent nearby sales
Listed at $550,000 — recent neighborhood median sale price ~$574,750 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Golf course communitySchool district: Clay County SchoolCommunity built 1994–2021Thunderbolt Park · 3 min driveAldi · 4 min driveIHOP · 5 min drive
This listing is shown at $550,000, with 4 bedrooms and 3 bathrooms, and 2,582 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms3
Living area2,582 sq ft
Year built2003
Property typeSingle Family Residence
Financial
Est. monthly payment$3,601
Est. taxes / yr~$5,390
Est. insurance / yr~$2,795
HOA$50/mo
CDDNone on record
Price / sq ft$213
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~11 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$2,795/yr
Market
Days on market1
Neighborhood median DOM27
Active listings (area)21
Months of supply2.7
Comparable-sales median$574,750
This home1d
Area median27d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$2,795/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.7 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
53/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,601/mo
Principal & interest $2,868/mo80%
Taxes $449/mo12%
Insurance $233/mo6%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
63/100
Strongest on: Flood safety (90), Market liquidity (73)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area60
This home $213/sq ft vs area median $222/sq ft from recent nearby sales.
Affordability57
List price $550,000 vs area median $574,750. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost71
From FEMA Zone X and a 2003 build. Obtain a property-specific quote.
Market liquidity73
Area median 27 days on market, ~2.7 months of supply.
Investment metrics43
Objective supply and demand metrics for the area - not investment advice.
Renovation upside46
From a 2003 build and $213/sq ft vs area $222/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$550,000
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,582
Living area
Sq ft (approx.)
$213
Price / sq ft
List ÷ living area
The home
Year built2003
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,390/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~11 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $516,400 – $617,098
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$516,400the mess$617,098
Actual list price: $550,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 20% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a ~27-day neighborhood median
21 active listings competing in Eagle Harbor
5 under contract now
19% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.7 months of supply (one market-context metric; should not be used alone)
Median sale price is up 52% over the last 148 months
Homes here sell at about 99.1% of list price
95 closed here in the last 12 months
For reference, this home is listed at $550,000 ($213/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,582 sq ft × $200–$239/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Eagle Harbor market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
21Active listings
5Under contract
0New this month
2.7Months of supply
27Median days on market
19%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2003BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,521 – $3,667/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,152 – −$121At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$550,000
Bed / bath4 / 3
Living area2,582 sq ft
Year built2003
Property typeSingle Family Residence
MLS #2153062
Listing statusNew — 1 days on market
Days on market1
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
CountyClay
Estimated first-year tax~$5,390/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$213
Estimated monthly payment$3,601
Estimated insurance~$2,795/yr
Messtimate range$516,400 – $617,098
Comparable-sales median$574,750
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,601
Principal & interest$2,868
Property tax$449
Insurance$233
CDD assessment$0
HOA$50
PMI$0
Down payment $110,000 · Loan $440,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,390/yr
The seller likely pays less due to the homestead cap. At a $550,000 purchase, expect your first full-year Clay bill near $5,390 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$2,795/yr
Estimate for a 2003 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~11 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Eagle Harbor
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Eagle Harbor neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$574,750
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$222
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$213
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Eagle Harbor
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Aldi 4 min
Dining
IHOP 5 min
Shopping
Fleming Plaza 5 min
Parks
Thunderbolt Park 3 min
In the area
Recent Eagle Harbor news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
May 2026 · Infrastructure
Resurfacing underway on County Road 220, Town Center Boulevard and US 17
Clay County's road and lane closure report for late May 2026 details nighttime milling and resurfacing on County Road 220 from US 17 to Arena Road, with crews then shifting to Town Center Boulevard between Eagle Harbor Parkway and East-West Parkway. The report also notes FDOT began a 5.3 million dollar US 17 resurfacing project from Doctors Inlet to Wells Road the week of May 25, with completion expected in early 2027.
Why it matters: Coordinated repaving of the main Fleming Island connectors may improve pavement condition and traffic flow once complete, though residents could see short-term nighttime lane closures.
Fleming Island Medical Plaza sells for 24.12 million dollars
SG Property Services of Atlanta, buying through Fleming Island MOB Owner LLC, acquired the Fleming Island Medical Plaza for 24.12 million dollars, the Jacksonville Daily Record reported. The firm specializes in health care real estate development and acquisitions.
Why it matters: Institutional capital acquiring medical office space on Fleming Island may reflect confidence in long-term service demand along the US 17 corridor, which historically tracks with stable residential occupancy.
Grumpy's Restaurant plans Fleming Island location on East West Parkway
Grumpy's, a breakfast, lunch and brunch concept, is planning its sixth location in the former Dick's Wings space at 1803 East West Parkway on Fleming Island, the Jacksonville Daily Record reported. The opening is targeted for the second quarter of 2026.
Why it matters: Backfilling a restaurant space that closed in 2023 could reduce visible vacancy near the Eagle Harbor retail core, which may support leasing momentum at neighboring centers.
First Coast Expressway segment connecting to US 17 opens ahead of schedule
News4Jax reported the second Clay County phase of the First Coast Expressway, an 18 mile stretch from SR 21 near Middleburg to US 17 south of Green Cove Springs, opened in August 2025, well ahead of its original spring 2026 projection. The toll road gives Fleming Island area drivers a new limited-access route toward I-10 and the Jacksonville westside.
Why it matters: A completed expressway link to US 17 could redistribute regional commute patterns around Fleming Island, and new limited-access capacity has historically broadened the buyer pool for nearby communities.
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Fleming Island Elementary SchoolPublic PreK-5 (in the community) · Clay County School District
Lakeside Junior High SchoolPublic 6-8 (zoning varies by address) · Clay County School District
Fleming Island High SchoolPublic 9-12 · Clay County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$569,500
1916 VISTA LAKES Drive, Fleming Island
4 / 3 bd/ba · 2,536 sq ft · $225/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jul 2026
$505,000
1412 WALNUT CREEK Drive, Fleming Island
5 / 4 bd/ba · 2,700 sq ft · $187/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold Jun 2026
$675,000
2525 SUNNY CREEK Drive, Fleming Island
4 / 3 bd/ba · 2,819 sq ft · $239/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jun 2026
$580,000
1792 EAGLE WATCH Drive, Fleming Island
5 / 4 bd/ba · 2,907 sq ft · $200/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of the set: $222/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Eagle Harbor
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome to Eagle Harbor living! This beautifully maintained 4-bedroom, 3-bath home offers the perfect blend of comfort, space, and scenic waterfront views. The open floor plan features generous living areas, abundant natural light, and a spacious kitchen with granite and updated refrigerator, range and microwave that flows seamlessly into the family room--ideal for everyday living and entertaining. The private owner's suite offers a large ensuite bath with dual vanities, soaking tub, walk-in shower, and large walk in closet. Step outside to the screened lanai overlooking the peaceful pond, creating the perfect spot for morning coffee or evening sunsets. Three additional bedrooms, a dedicated laundry room, and a 3-car garage complete the home. Located in the highly desirable Eagle Harbor community with top-rated schools, resort-style amenities, golf, pickle ball, tennis, parks, and convenient access to shopping, dining, and major highways. Open House Saturday 7/11 11-4 pm
Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms3
Living area2,582 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2003
Age23 yrs
Listing
MLS #2153062
StatusActive
Days on market1
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $550,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1416 WALNUT CREEK Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
