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Sold·Closed May 18, 2026·2 days on market

1720 Cross Pines Drive

Fleming Island, FL 32003

$315,000sold priceListed at $315,000 · 100% of asking$166/sqftMLS# 2142891
4
Beds
3
Baths
1,894
Sq Ft
2003
Built
1
Garage
No
Pool
HOA $180/mo3,485 sqft lotTownhouse2 stories

About this home

Fleming Island

Welcome to this beautifully maintained 4-bed, 3 bath townhouse located in the highly desired Eagle Harbor community in Fleming Island. Tucked away on a quiet cul-de-sac, this two-story home offers both privacy and convenience in one of NE Florida's most amenity-rich neighborhoods. Step inside to find soaring ceilings in the main living area, framed by expansive windows that fill the home with natural light while showcasing serene views of the surrounding trees and sky. The spacious layout is ideal for both everyday living and entertaining. The kitchen features tasteful upgrades, including granite countertops, offering a modern and polished feel throughout. Out back, enjoy a private retreat that backs up to a peaceful preserve--perfect for relaxing to the sounds of nature. The outdoor space is thoughtfully designed with a screened patio and a generously sized yard, providing flexibility for gatherings, play, or quiet evenings. Don't miss this opportunity to make it yours!

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$5,463/yr · $455/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: ~1,765 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.

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 7:30 AM, sunset 6:54 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

2025 property taxes (current owner): $5,463/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
1705 Cross Pines Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYMay 2026$315,000$1664/31,894150.1
2321 Old Pine Trail, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSFeb 2026$290,900$1544/2.51,8941000.1
1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORPOct 2026$280,000$2093/21,340100.2
2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$315,000$2353/21,34090.2
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
Acres0.08 acres
Year Built2003
TypeResidential
Sub-TypeTownhouse
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesSoutheast

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address1720 Cross Pines Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionPine Lake
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size3,484.8 sq ft
Parcel Number05052601422104021
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Pickleball, Playground, Tennis Court(s), Water
Community FeaturesSidewalks, Fishing, Street Lights
UtilitiesCable Available, Electricity Available, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
Spa FeaturesBath

Exterior

Lot DescriptionCul-De-Sac, Wooded
Patio / PorchPatio, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedMay 1, 2026
Days on Market2
HOA Fees$180 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Trash
Tax Amount$5,463.23
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

Sold by: BRIDGE & BEACON REAL ESTATE LLC (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 18, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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