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Pending

Pending·83 days on market

2470 Country Side Drive

Fleming Island, FL 32003

$525,000$167/sqftEst. $2,794/moMLS# 2139347

Beds

Baths

3,136

Sq Ft

2004

Built

Garage

Pool

About this home

Fleming Island

Located in Eagle Creek at Eagle Harbor, this spacious 4-bedroom home plus office offers the flexibility and room today's families need. The open-concept main floor seamlessly connects the living area to a gourmet kitchen featuring double ovens, abundant cabinetry, and a large breakfast area--perfect for entertaining and everyday living. A formal dining room provides additional gathering space for holidays and special occasions. Enjoy Florida living year-round on the oversized screened lanai overlooking the fenced backyard. The first-floor owner's suite offers privacy and convenience, while upstairs features three bedrooms, two baths, and a large bonus room ideal for a playroom, media room, or teen retreat. New carpet throughout, a 2021 roof, and two new AC units in 2026 provide peace of mind. Pre-wired generator hookup adds extra security. Enjoy Eagle Harbor's pools, tennis, pickleball, golf, dining, parks, and top-rated Fleming Island schools nearby.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,652

Principal & Interest: $2,652

Est. Taxes & Insurance: $663

Estimated Total Monthly

$3,315

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$2,794

Property taxesest. at asking price, Clay County$805

HOAbilled annually$10

Estimated total, before insurance$3,609/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$484,734	$434,012	—
2024	$477,079	$427,079	—
2023	$493,000	$443,000	▼ $32,563
2022	$419,532	$419,532	—
2021	$323,745	$184,215	—
2020	$313,480	$180,982	—

2025 property taxes (current owner): $8,958/yr

Estimated taxes if purchased at asking price: ~$9,700/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,713 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 14, 2026Pending$525,000
Apr 23, 2026Listed$525,000

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

Features

Price$525,000

Price / Sq Ft$167

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,136

Acres0.25 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2470 Country Side Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size10,890 sq ft

Parcel Number07052601426400269

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Water

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Microwave, Plumbed For Ice Maker

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecuritySmoke Detector(s)