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Active

Active·96 days on market

1831 Cross Green Way

Fleming Island, FL 32003

$699,000$221/sqftEst. $3,720/moMLS# 2139490

Beds

Baths

3,165

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Fleming Island

Your own tropical paradise awaits! Plenty of space for everyone in this spacious pool home offering over 3,100 square feet, 4 bedrooms, 3 and 1/2 baths, separate office space, and formal dining room. Upstairs bedroom with ensuite bath and walk-in closet is a perfect teen retreat. 3-car garage with separate 3rd bay offers space for additional vehicle or toys. This is a one-of-a kind custom home is the only floor plan like it in all of Eagle Harbor. Enjoy entertaining friends and family in the resort style salt water pool with heated spa and covered lanai with abundant seating area. Current owners have made this space a tropical paradise! All this plus award winning Eagle Harbor amenities including 3 resort style pools and so much more. Don't miss out on this amazing opportunity to own your piece of paradise!

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,531

Principal & Interest: $3,531

Est. Taxes & Insurance: $883

Estimated Total Monthly

$4,414

*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$3,720

Property taxesest. at asking price, Clay County$1,071

HOAbilled annually$10

Estimated total, before insurance$4,802/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	$552,817	$257,945	—
2024	$545,284	$249,968	—
2023	$540,164	$215,497	—
2022	$433,761	$207,765	—
2021	$338,318	$200,258	—
2020	$331,208	$196,803	—

2025 property taxes (current owner): $6,272/yr

Estimated taxes if purchased at asking price: ~$12,900/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 — year not disclosed (home built 2005)

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

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: ~1,609 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, 2026Price change$699,000−$16,000
Apr 10, 2026Listed$715,000

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

Features

Price$699,000

Price / Sq Ft$221

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,165

Acres0.21 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1831 Cross Green Way, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size9,147.6 sq ft

Parcel Number07052601426400302

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Microwave

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup

Spa FeaturesIn Ground, Heated