1 / 85

Active

Active·90 days on market

1600 Spring Water Court

Fleming Island, FL 32003

$570,000$222/sqftEst. $3,034/moMLS# 2140431

Beds

Baths

2,566

Sq Ft

2002

Built

Garage

Pool

About this home

Fleming Island

Welcome to your dream home in the highly sought-after Eagle Harbor community! This beautifully maintained 4-bedroom + office, 3-bathroom home offers almost 2600 sq ft of thoughtfully designed living space, perfectly situated on a quiet cul-de-sac. From the moment you arrive, you'll appreciate the durability and curb appeal of the Rhino Shield exterior paint, setting the tone for the quality found throughout. Inside, the open floor plan creates a bright and inviting atmosphere, ideal for both everyday living and entertaining. Fresh interior paint throughout. Elegant details such as crown molding and plantation shutters add timeless style to every room. The heart of the home is the spacious kitchen, featuring stainless steel appliances and ample cabinetry-perfect for hosting gatherings or preparing family meals. The split-bedroom layout provides privacy, while the dedicated office offers flexibility for working from home, a playroom, or additional guest space.

Cost to own

Mortgage calculator

Home Price

$570,000

Down Payment: 20%

$114,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,879

Principal & Interest: $2,879

Est. Taxes & Insurance: $720

Estimated Total Monthly

$3,599

*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$3,034

Property taxesest. at asking price, Clay County$873

HOAbilled annually$5

Estimated total, before insurance$3,912/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

Last sold: $570,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$503,866	$503,866	—
2024	$496,821	$0	—
2023	$484,286	$0	—
2022	$378,982	$323,482	—
2021	$311,422	$225,898	—
2020	$297,422	$222,089	—

2025 property taxes (current owner): $10,280/yr

Estimated taxes if purchased at asking price: ~$10,500/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 2002)

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: ~1,611 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

Apr 16, 2026Listed$570,000

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

Features

Price$570,000

Price / Sq Ft$222

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,566

Acres0.29 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address1600 Spring Water Court, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size12,632.4 sq ft

Parcel Number31042602126203554

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned