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Active

Active·45 days on market

1735 Walton Lake Court

Fleming Island, FL 32003

$584,000$217/sqftEst. $3,093/moMLS# 2144411

↓ $5,000 below original list

Beds

3.5

Baths

2,694

Sq Ft

2002

Built

Garage

Pool

FEMA Zone XHOA $5/mo0.44 acresWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Welcome to resort-style living in the highly sought-after Eagle Harbor community of Fleming Island! Tucked away on a quiet cul-de-sac and situated on a generous .44-acre lot overlooking a peaceful pond, this move-in-ready 4-bedroom, 3.5-bath home offers 2,694 sq. ft. of thoughtfully designed living space with tasteful updates throughout. Inside, luxury vinyl plank flooring flows through the main living areas, while the updated kitchen opens to the spacious family room and eat-in area, creating an inviting space for everyday living and entertaining. The home also features a separate dining room and formal living room, providing plenty of flexibility for gatherings, a home office or additional living space. A dedicated inside laundry room adds everyday convenience, while the home also offers abundant storage throughout. Nicely updated bathrooms, built-in speakers and a central vacuum system add to the home's comfort and convenience. The

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$3,093

Property taxesest. at asking price, Clay County$895

HOAbilled annually$5

Estimated total, before insurance$3,993/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,254/yr · $771/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

Home Price

$584,000

Down Payment: 20%

$116,800

Interest Rate: 6.95%

Loan Term

Monthly Payment

$3,093

Principal & Interest: $3,093

Property taxes (est.): $895

Insurance (est.): $389

Estimated Total Monthly

$4,377

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 E

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

Roof: material not specified — 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: ~1,496 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,254/yr

Estimated taxes if purchased at asking price: ~$10,700/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, NEFMLS.

History

Price & status history

Aug 28, 2026Price change$584,000−$5,000
Aug 8, 2026Listed$589,000

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

Features

Price$584,000

Price / Sq Ft$217

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,694

Acres0.44 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address1735 Walton Lake Court, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size19,166.4 sq ft

Parcel Number32042602126200235

ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

Additional Information

Date ListedAugust 8, 2026

Days on Market41

HOA Fees$60 / Annually

HOA FrequencyAnnually

HOA NameParaclete Services

Tax Amount$9,253.57

Tax Year2025

Listing TermsAssumable, Cash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV · asmelyrealtor@gmail.com

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.

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Krista Fracke

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