Single Family Residence in Eagle Harbor, Fleming Island · No CDD
Eagle Harbor · Fleming Island, FL 32003 · Clay
Listing data updated September 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,392Sq Ft
1999Year Built
$219Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$219 here vs $214 median sold (12 mo)
Buyer leverage
Seller-leaning
2.8-month supply
2.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 10, 2026, 2211 HARBOR LAKE Drive in Eagle Harbor, Fleming Island is listed at $525,000 (2,392 sq ft, about $219 per sq ft). That sits within a few percent of Eagle Harbor's median closed sale of $564,750 over the last 12 months (92 recorded sales). It came to market within the past week. Listing facts: built in 1999, HOA dues of $5/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1999 · 27 yrs
2,392 sq ft of living area
2-car garage
Listed at $525,000 — recent neighborhood median sale price ~$564,750 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $5/mo (per listing)
Golf course communitySchool district: Clay County SchoolCommunity built 1994–2021Thunderbolt Park · 3 min driveAldi · 4 min driveIHOP · 5 min drive
Momentum Research · Eagle Harbor
Pricing & the Eagle Harbor market
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.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Eagle Harbor
Each dot is a closed sale since 2001 (3084 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $219/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 68 (hot).
Property timeline
This home’s history
1999BuiltPer public record
Sep 10, 2026First trackedObserved at $525,000
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.
Financing
Estimated monthly payment
$3,384/mo
Principal & interest $2,713/mo80%
Taxes $429/mo13%
Insurance $237/mo7%
HOA $5/mo0%
$3,384/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,500/yr ($292/mo)
+$3,650 more each year
(+104%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$230,130
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
49/100
Strongest on: Market liquidity (75), Affordability (62)
0 limited50100 exceptional
49/100 is below average 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.
Price vs area44
This home $219/sq ft vs the community 12-month median $214/sq ft.
Affordability62
List price $525,000 vs the community median $564,750. Not a measure of personal affordability.
Market liquidity75
Community median 22 days on market, ~2.8 months of supply (12-month record).
Renovation upside30
From a 1999 build and $219/sq ft vs the community median $214/sq ft. Not a condition assessment.
Pricing power51
Recent sales closed at about 97.7% of original asking (~2.3% below). More room below asking generally favors buyers.
Market timing32
Momentum Market Heat is 68/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟡 Asking $219 per square foot, about in line with 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 4.6% year over year. Confidence: Very High · 92 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.
77% of homes in Eagle Harbor are owner-occupied. An estimated 23% are non-owner-occupied, including 2% 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), 164 homes matched. Community-level context.
Recent Eagle Harbor sales closed near 97.7% 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 September 9, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 21 active listings in Eagle Harbor, no CDD assessment.
Updated September 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to a home where peaceful water views and resort-style living come together in the heart of Eagle Harbor. Set on a large homesite, this well maintained, one-owner home offers an open, light-filled layout designed for easy everyday living and entertaining. The updated kitchen flows seamlessly into the main living spaces, while the three-way split floor plan provides privacy for family and guests.
The spacious primary suite features an updated bathroom, creating a comfortable retreat. Step onto the screened lanai to relax, unwind, and enjoy the tranquil water view. Eagle Harbor offers three pools, miles of walking paths, golf, tennis, pickleball, highly rated schools, and breathtaking sunsets over Doctors Lake.
Here, the Florida lifestyle isn't reserved for vacations - it's yours to enjoy every day!
Description provided by COLDWELL BANKER VANGUARD REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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.
Listing facts MLS
List price$525,000
Bed / bath4 / 3
Living area2,392 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #2164158
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings21 active · 12 under contract
Estimated first-year tax~$5,145/yr
CDD assessmentNone on record
HOA (per listing)$5/mo
Calculated estimates
Price per sq ft$219
Estimated monthly payment$3,384
Insurance (illustrative)$2k–$4k/yr
Messtimate range$476,008 – $535,808
Comparable-sales median$564,750
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
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.
$476,008the mess$535,808
Actual list price: $525,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 13% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $5/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
23 active listings competing, 12 under contract
≈2.8 months of supply
91 closed here in the last 12 months
For reference, this home is listed at $525,000 ($219/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: 2,392 sq ft × $199–$224/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 10, 2026.
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.
Listed for $525,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,145/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$5/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by COLDWELL BANKER VANGUARD REALTY · MLS # 2164158
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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.
Community median sale price
$564,750
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$214
Canonical 12-month median $/sq ft. Reference only.
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.
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.
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
Assigned schools
Assigned schools
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.
GRADEA
Fleming IslandAssigned elementary school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
LakesideAssigned middle school · Clay County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fleming IslandAssigned high school · Clay County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Sep 2026
$510,000
2091 WATER CREST Drive, Fleming Island
4 / 2 bd/ba · 2,235 sq ft · $228/sq ft
Courtesy of MAXREV, LLC · View details →
Sold Aug 2026
$580,000
1530 RIVERTRACE Drive, Fleming Island
5 / 4 bd/ba · 2,676 sq ft · $217/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jul 2026
$405,000
1428 GREEN TURTLE Court, Fleming Island
4 / 2 bd/ba · 2,079 sq ft · $195/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Jul 2026
$420,000
2028 TRAILING PINES Way, Fleming Island
3 / 2 bd/ba · 2,055 sq ft · $204/sq ft
Courtesy of FLORIDA HOMES REALTY & MTG LLC · View details →
Sold Aug 2026
$545,000
2250 KEATON CHASE Drive, Fleming Island
4 / 3 bd/ba · 2,745 sq ft · $199/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Aug 2026
$615,000
1749 PRESERVE POINT Terrace, Fleming Island
4 / 3 bd/ba · 2,748 sq ft · $224/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Community 12-month median: $214/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.
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$2,406 – $3,500/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−$1,049 – −$64At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 2211 HARBOR LAKE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,392 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,145/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 10, 2026)
Community market stats
realMLS closed sales, as of September 9, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
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.
Answered before you ask
Frequently asked questions
How big is 2211 HARBOR LAKE Drive and when was it built?
Per the listing record, 2211 HARBOR LAKE Drive was built in 1999 and has 2,392 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2211 HARBOR LAKE Drive in?
2211 HARBOR LAKE Drive is in Eagle Harbor in Fleming Island, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Eagle Harbor from the same MLS data.
Does 2211 HARBOR LAKE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $5 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2211 HARBOR LAKE Drive differ from the current owner's?
The estimate on this page (about $5,145 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 2211 HARBOR LAKE Drive in a flood zone?
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.
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 2211 HARBOR LAKE 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.
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.
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.
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.
