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Sold

Sold·Closed Apr 3, 2026·6 days on market

2517 Sunny Creek Drive

Fleming Island, FL 32003

$820,000sold priceListed at $825,000 · 99.4% of asking$227/sqftMLS# 2131991
4
Beds
3.5
Baths
3,612
Sq Ft
2005
Built
3
Garage
No
Pool
HOA $10/mo12,632 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Fleming Island

Experience elevated waterfront living in one of NE Florida's most sought after communities.This luxury 4 bedroom 3.5 bath estate offers 3,612 square feet of thoughtfully designed living space on a private preserve lot with panoramic lake views.Inside find soaring ceilings, polished travertine flooring, and expansive windows that fill the home with natural light while showcasing serene water views.The gourmet kitchen features a Sub-Zero refrigerator, granite countertops, and a 36'' cooktop making it perfect for entertaining or everyday living.The elegant family room features a sleek tiled fireplace and built-in wet bar creating a gathering space for entertaining guests or relaxing with family. A first-floor primary suite provides convenience and privacy along with a spa-inspired bathroom. Upstairs are 3 spacious bedrooms 2 full baths and a versatile bonus room. Step outside to enjoy a covered summer kitchen & expansive paver patio designed for enjoying Florida's year round lifestyle

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,542
Property taxesest. at asking price, Clay County$1,257
HOAbilled annually$10
Estimated total, before insurance$5,809/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,902/yr · $659/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$820,000
$164,000
Loan Term
Monthly Payment
$4,542
Principal & Interest: $4,542
Property taxes (est.): $1,257
Insurance (est.): $547
Estimated Total Monthly
$6,345
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,688 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $7,902/yr

Estimated taxes if purchased at asking price: ~$15,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Feb 26, 2026Listed$825,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $186/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2533 Sunny Creek Drive, Fleming Island, FL 32003Listed by HOMESMARTAug 2026$635,000$1775/4.53,580350.1
2727 Shade Tree Drive, Fleming Island, FL 32003Listed by MARK SPAIN REAL ESTATESep 2026$750,000$1754/4.54,2791230.3
1831 Cross Green Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$680,000$2154/3.53,1651270.4
2518 Country Side Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$695,000$1865/3.53,727200.4
2470 Country Side Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYJul 2026$530,000$1694/3.53,136900.5
2388 Country Side Drive, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$560,000$1933/2.52,89950.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$825,000
Price / Sq Ft$228
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,612
Acres0.29 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address2517 Sunny Creek Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size12,632.4 sq ft
Parcel Number08052601426400535

Amenities

UtilitiesElectricity Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet, Marble, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 26, 2026
Days on Market6
HOA Fees$120 / Annually
HOA FrequencyAnnually
Tax Amount$7,902.36
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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