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Sold

Sold·Closed Jun 30, 2026·52 days on market

1903 Salt Creek Drive

Fleming Island, FL 32003

$760,000sold priceListed at $765,000 · 99.3% of asking$205/sqftMLS# 2139055
5
Beds
3.5
Baths
3,710
Sq Ft
2008
Built
2
Garage
No
Pool
HOA $10/mo11,761 sqft lotSingle Family Residence2 stories

About this home

Fleming Island

Tucked at the end of an intimate cul-de-sac and backing to a serene natural preserve, this one-of-a-kind custom home offers rare privacy, space, and lifestyle in Eagle Harbor. With southern coastal charm and upgrades throughout, it stands apart from surrounding homes. Natural light pours through expansive tinted windows, creating a warm, inviting space designed for family living and effortless entertaining. The chef-inspired kitchen features a large island, gas range, prep sink, ice maker, wine fridge, and eat-in dining area perfect for gatherings. Step outside to a private backyard retreat with spacious patio, outdoor kitchen, preserve views, and room for a future pool. Flexible layout offers 5 bedrooms, office, and large bonus/media room. The main-floor suite includes sitting area, spa-like bath, and custom closet. Recent updates include new roof, carpet, and water heaters. Eagle Harbor offers 3+ pools, tennis, parks, and waterfront spaces. Home warranty included. Motivated Seller!

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$4,210
Property taxesest. at asking price, Clay County$1,165
HOAbilled semi-annually$10
Estimated total, before insurance$5,384/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,873/yr · $739/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

$760,000
$152,000
Loan Term
Monthly Payment
$4,210
Principal & Interest: $4,210
Property taxes (est.): $1,165
Insurance (est.): $507
Estimated Total Monthly
$5,881
*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 2008)

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

Solar potential: ~1,757 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.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$627,370$429,851—
2024$617,589$416,748—
2023$604,376$402,863—
2022$503,697$393,882—
2021$375,888$318,395—
2020$365,015$313,309—

2025 property taxes (current owner): $8,873/yr

Estimated taxes if purchased at asking price: ~$14,000/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 $186/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2388 Country Side Drive, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$560,000$1933/2.52,89950.2
2470 Country Side Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYJul 2026$530,000$1694/3.53,136900.4
1831 Cross Green Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$680,000$2154/3.53,1651270.5
2518 Country Side Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$695,000$1865/3.53,727200.5
2727 Shade Tree Drive, Fleming Island, FL 32003Listed by MARK SPAIN REAL ESTATESep 2026$750,000$1754/4.54,2791230.9
2533 Sunny Creek Drive, Fleming Island, FL 32003Listed by HOMESMARTAug 2026$635,000$1775/4.53,580350.9

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$765,000
Price / Sq Ft$206
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,710
Total Structure Area4,835 sq ft
Acres0.27 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address1903 Salt Creek Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size11,761.2 sq ft
Parcel Number05052601422500410
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Children's Pool, Clubhouse, Golf Course, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Zoned
CoolingCentral Air, Multi Units, Zoned
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
Spa FeaturesBath

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionCul-De-Sac
Patio / PorchPatio
RoofShingle
Road FrontagePrivate Road

Additional Information

Date ListedMay 31, 2026
Days on Market52
HOA Fees$60 / Semi-Annually
HOA FrequencySemi-Annually
Tax Amount$8,872.73
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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 30, 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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