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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 18, 2026·43 days on market

2083 Water Crest Drive

Fleming Island, FL 32003

$450,000sold priceListed at $450,000 · 100% of asking$247/sqftMLS# 2137929
3
Beds
2
Baths
1,823
Sq Ft
1995
Built
2
Garage
No
Pool
HOA $5/mo8,712 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Opportunity is back! Their loss-your gain! Successful & Clean inspections, title, lien and estoppel completed! Staging removed and ready for immediate closing and move in! This is your chance to own this beautifully updated Eagle Harbor home! Let's be honest--most ''renovated'' homes don't look like this. Welcome to a fully reimagined 3-bedroom, 2-bath home with a private office (or potential 4th bedroom) in the highly sought-after Eagle Harbor--designed for buyers who want modern, move-in ready living without the stress of ongoing projects or high maintenance. From the moment you step inside, you'll feel the difference--natural light, a wide-open layout, and brand-new flooring that flows seamlessly throughout. Fresh interior paint and thoughtfully selected finishes create a clean, elevated look that still feels warm and livable.

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$2,493
Property taxesest. at asking price, Clay County$690
HOAbilled annually$5
Estimated total, before insurance$3,187/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,109/yr · $259/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,493
Principal & Interest: $2,493
Property taxes (est.): $690
Insurance (est.): $300
Estimated Total Monthly
$3,482
*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 1995)

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

Solar potential: ~1,409 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

YearMarket valueTaxable valueChange
2025$321,572$120,473—
2024$317,574$116,371—
2023$311,770$111,526—
2022$268,946$106,822—
2021$211,099$102,255—
2020$195,353$100,153—

2025 property taxes (current owner): $3,109/yr

Estimated taxes if purchased at asking price: ~$8,300/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 (2025), NEFMLS.

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 $228/sq ft; this home is listed at $247/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23570
1522 Quail Wood Court, Fleming Island, FL 32003Listed by KALLAM REALTY GROUP PLLCSep 2026$391,000$1973/21,988780.1
1703 Hunters Ridge Road, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$555,000$2754/2.52,01920.2
1428 Green Turtle Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPJul 2026$405,000$1954/22,079120.2
1667 Blackhawk Court, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$413,000$2263/21,824100.2
1532 Silver Bell Lane, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$455,000$2314/21,969140.4

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$450,000
Price / Sq Ft$247
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,823
Total Structure Area2,445 sq ft
Acres0.20 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2083 Water Crest Drive, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size8,712 sq ft
Parcel Number32042602126200506

Amenities

AmenitiesPool, Other, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), Water
Community FeaturesSidewalks, Street Lights, Restaurant
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchRear Porch
RoofShingle

Additional Information

Date ListedMay 11, 2026
Days on Market43
HOA Fees$60 / Annually
HOA FrequencyAnnually
HOA NameWater Crest
Tax Amount$3,109.13
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MAXREV, LLC

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 Jun 18, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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