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

No photos available

This listing has no photos yet

Sold

Sold·Closed May 21, 2026·4 days on market

2566 Ferntree Lane

Fleming Island, FL 32003

$864,500sold priceListed at $864,500 · 100% of asking$218/sqftMLS# 2138341
5
Beds
4
Baths
3,964
Sq Ft
2004
Built
3
Garage
No
Pool
HOA $10/mo0.45 acresSingle Family Residence2 stories

About this home

Fleming Island

Some renovations update a home - this one perfected it. Set within Eagle Harbor at Black Creek, this 5-bedroom, 4-bath residence of 3,964 square feet was reimagined with room-by-room intention, every finish chosen with impeccable taste. The coffered, beamed study with arched transom windows sets the tone immediately. The two-story family room anchors around a gas fireplace with timber mantel and custom built-ins. The kitchen is the home's defining statement: European-crafted cabinetry to the ceiling, quartzite island, and a 48'' Ilve dual-fuel range with brass fittings that stands as both appliance and art. An exposed brick breakfast nook completes the composition. The primary bath is unhurried luxury -- shiplap walls, dual teal vanities, freestanding soaking tub, and a glass-enclosed shower in seafoam subway tile with rain head and marble bench. Hickory hardwood floors. Plantation shutters throughout. Bonus room serves as fifth bedroom. Eagle Harbor at its finest

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$4,788
Property taxesest. at asking price, Clay County$1,325
HOAbilled annually$10
Estimated total, before insurance$6,123/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$864,500
$172,900
Loan Term
Monthly Payment
$4,788
Principal & Interest: $4,788
Property taxes (est.): $1,325
Insurance (est.): $576
Estimated Total Monthly
$6,690
*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 2004)

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

Solar potential: ~1,590 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.

History

Price & status history

  • Apr 9, 2026Listed$864,500

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 $229/sq ft; this home is listed at $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2659 Country Side Drive, Fleming Island, FL 32003Listed by MOMENTUM REALTYJun 2026$875,000$2295/4.53,814140.1
2676 Country Side Drive, Fleming Island, FL 32003Listed by VREELAND REAL ESTATE LLCApr 2026$820,000$2415/33,408330.1
2533 Sunny Creek Drive, Fleming Island, FL 32003Listed by HOMESMARTAug 2026$635,000$1775/4.53,580350.3
2525 Sunny Creek Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$675,000$2394/32,81920.3
2517 Sunny Creek Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYApr 2026$820,000$2274/3.53,61260.3
2727 Shade Tree Drive, Fleming Island, FL 32003Listed by MARK SPAIN REAL ESTATESep 2026$750,000$1754/4.54,2791230.4

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$864,500
Price / Sq Ft$218
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,964
Acres0.45 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address2566 Ferntree Lane, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size19,602 sq ft
Parcel Number08052601426400429

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level, Sink
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionCul-De-Sac, Dead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Porch, Rear Porch
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedApril 9, 2026
Days on Market4
HOA Fees$120 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)

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 May 21, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines