Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 2111 STONE CREEK Drive #F in Eagle Harbor, Fleming Island is listed at $250,000 (1,385 sq ft, about $181 per sq ft). That is 55% below Eagle Harbor's median closed sale of $560,000 over the last 12 months (99 recorded sales). Per square foot it is below the community's recent $214/sq ft by about 15%. It has been 21 days on market. Listing facts: built in 2004, HOA dues of $425/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Welcome to this beautifully maintained 2BR/2BA townhome in Stone Creek, an Eagle Harbor community in the heart of Fleming Island. Featuring an open-concept floor plan, this home offers comfortable living with seamless flow between the living, dining, and kitchen areas. Enjoy peace of mind with a newer roof, newer HVAC system, and brand-new water heater.
Additional highlights include a private driveway and attached 2-car garage. Stone Creek residents enjoy access to a neighborhood playground and bike rack, plus all of Eagle Harbor's sought-after amenities, including multiple pools, tennis and pickleball courts, walking trails, parks, and more. Conveniently located near top-rated schools, shopping, dining, and medical facilities, this move-in-ready home offers low-maintenance living in one of Fleming Island's most desirable master-planned communities.
Some pictures are virtually staged
Description provided by THE WILKINS WAY and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
$2,164/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $1,275/yr (certified county roll, taxable value × millage). Buy at the asking price of $250,000 and the first-year bill resets to about $3,000/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.05 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $425/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. |
| Roof and age | Built in 2004. An original roof would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $774/month (tax $250, HOA $425, insurance $99). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
How this home is priced against recent nearby sales, and where Eagle Harbor has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
List $/sq ft against recent nearby closed sales; the community median is marked.
Each dot is a closed sale since 2001 (3092 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Community sold $/sq ft, 2012–2026. This home lists at $181/sq ft.
12-month median closed price, 2012–2026.
Momentum Market Heat, 2013–2026. Now 58 (normal).
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $560,000 ($214/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the Clay County 2025 tax roll just value ($235,658) × the local sale-to-roll ratio of 27 nearby sales.
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $250,000 ($181/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 23% spread on the same house — here is what a model can't see:
And what the live market is doing right now:
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (27 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
72/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟠 Seller-leaning conditions around this listing. 2.1 months of supply in the surrounding market and 21 days on market for this home, against a 22-day area median.Days on market:this home 21Area median: 22 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 12, 2026.
🟡 Asking $181 per square foot, about 15% below the community’s $214 median. Eagle Harbor’s 12-month median sold price per square foot is $214. Median sold price per square foot is up 3.7% year over year. Confidence: Very High · 99 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
72% of homes in Eagle Harbor are owner-occupied. An estimated 28% are non-owner-occupied, including 3% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 244 homes matched. Community-level context.
Recent Eagle Harbor sales closed near 97.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 17 active listings in Eagle Harbor, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by THE WILKINS WAY · MLS # 2166304
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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.
Every home on Stone Creek: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Clay County announced that its County Road 220 project is complete and open to traffic ahead of schedule. The work replaced the 1947 bridge over Little Black Creek with a four lane span and improved the Rideout Ferry Road intersection.
Why it matters: Full four lane capacity on CR 220 could ease drive times between Fleming Island and Middleburg, a practical factor for homes along the corridor.
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.
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, 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.
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.
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2111 STONE CREEK Drive #F, chosen from what the record shows. This is general guidance, not advice about this specific property.
| Listing record | realMLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | realMLS closed sales within about 3 miles, last 18 months, as of October 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Per the listing record, 2111 STONE CREEK Drive #F was built in 2004 and has 1,385 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
2111 STONE CREEK Drive #F is in Eagle Harbor in Fleming Island, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
The listing reports HOA dues of $425 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
The estimate on this page (about $3,000 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,725 more per year than the current owner’s estimated bill (+135%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
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.
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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.
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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.
See how this home fits the bigger picture — live prices, inventory, and Momentum Scores:
