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Sold

Sold·Closed May 21, 2026·15 days on market

1705 Cross Pines Drive

Fleming Island, FL 32003

$315,000sold priceListed at $315,000 · 100% of asking$166/sqftMLS# 2140209
4
Beds
3
Baths
1,894
Sq Ft
2003
Built
1
Garage
No
Pool
HOA $180/mo3,920 sqft lotTownhouse2 stories

About this home

Fleming Island

Gorgeous 4 bedroom, 3 bathroom townhome located on a quiet cul-de-sac in the highly sought-after Eagle Harbor community. This spacious and light-filled home features soaring ceilings and a dramatic wall of windows in the main living area, creating an open and airy feel throughout. The kitchen is both stylish and functional, offering 42-inch white cabinets, newer stainless steel appliances, and a breakfast bar that opens seamlessly to the main living space. Recent updates include a new A/C, a new water heater, and a newer roof-providing peace of mind for years to come. The thoughtfully designed floor plan includes a generously sized bedroom and a full bath on the first floor, along with a separate laundry room. Upstairs, the expansive primary suite features double-door entry, a large walk-in closet, and a well-appointed en-suite bathroom with double sinks and a spacious walk-in shower. Two additional bedrooms and a full bathroom complete the second level.

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$1,745
Property taxesest. at asking price, Clay County$483
HOAbilled monthly$180
Estimated total, before insurance$2,408/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,591/yr · $466/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

$315,000
$63,000
Loan Term
Monthly Payment
$1,745
Principal & Interest: $1,745
Property taxes (est.): $483
Insurance (est.): $210
Estimated Total Monthly
$2,438
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2003)

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

Solar potential: ~1,598 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,591/yr

Estimated taxes if purchased at asking price: ~$5,800/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, 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 $166/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1720 Cross Pines Drive, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCMay 2026$315,000$1664/31,89420.1
2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$315,000$2353/21,34090.2
2321 Old Pine Trail, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSFeb 2026$290,900$1544/2.51,8941000.2
1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPOct 2026$280,000$2093/21,340100.3
2415 Old Pine Trail, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$300,000$1863/2.51,61500.3
2400 Old Pine Trail, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$305,000$1614/31,89410.3

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$315,000
Price / Sq Ft$166
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage1,894
Acres0.09 acres
Year Built2003
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address1705 Cross Pines Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size3,920.4 sq ft
Parcel Number05052601422104009

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories2

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchRear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 16, 2026
Days on Market15
HOA Fees$180 / Monthly
HOA FrequencyMonthly
HOA NameThe CAM Team
Tax Amount$5,590.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Sold by: EXIT INSPIRED REAL ESTATE (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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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