FEMA Zone X — flood insurance generally not federally required
Built 2020 · 6 yrs
$218/sq ft — in line with the area median of $218
29 days on market
HOA ~$50/mo (estimate; confirm)
Listing facts & disclosures
$384,900
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
1,763
Living area
Sq ft (approx.)
$218
Price / sq ft
List ÷ living area
The home
Year built2020
Per public record.
Lot sizeSee record
Approximate; verify with survey.
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~$3,772/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 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.
Listing description
About this home
Welcome home to the Reserve at Eagle Harbor! This charming 3 bedroom plus office/flex space, 2 bath home is just waiting for a new owner! Open floor plan perfect for entertaining! LVP flooring throughout! Kitchen with 42'' cabinets, quartz counters, stainless appliances and over...
Description provided by NEXTHOME COLLINS REALTY and reproduced from the MLS; not independently verified.
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
$2,489
Principal & interest$2,007
Property tax$314
Insurance$117
CDD assessment$0
HOA$50
PMI$0
Down payment $76,980 · Loan $307,920. 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
~$3,772/yr
The seller likely pays less due to the homestead cap. At a $384,900 purchase, expect your first full-year Clay bill near $3,772 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,406/yr
Estimate for a 2020 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
~20 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 Reserve At 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 Reserve At Eagle Harbor neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Median sale price (set)
$384,900
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$218
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$218
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Reserve At 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.
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. That’s the whole point: look how wide it is.
$306,762the mess$461,906
A 51% 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 dated interior 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: 29 days on market vs. a ~29-day neighborhood median
17 active listings competing in Reserve At Eagle Harbor
10 under contract now
37% of for-sale inventory is already under contract (demand signal)
pending-to-active ratio 0.59 (higher = faster-selling demand)
≈2.2 months of supply (under ~4 favors sellers, over ~6 favors buyers)
93 closed here in the last 12 months
For reference, this home is listed at $384,900 ($218/sq ft) — a number set with analysis a Messtimate can't do.
Want a number you can actually price or offer on? 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: 1,763 sq ft × $174–$262/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 1, 2026.
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.
No closely comparable recent sales were found in this data set.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2
Living area1,763 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built2020
Age6 yrs
Listing
MLS #2147835
StatusPending
Days on market29
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 $384,900Momentum Realty · on market 29 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 2254 EAGLE TALON Circle 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
Listing agent
Listed by
NEXTHOME COLLINS REALTY
Listing courtesy of NEXTHOME COLLINS REALTY. Information provided via the NEFMLS Internet Data Exchange and deemed reliable but not guaranteed. To tour this home, a licensed Momentum Realty agent can represent you as a buyer.
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.
