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Sold

Sold·Closed Jul 9, 2026·6 days on market

1916 Vista Lakes Drive

Fleming Island, FL 32003

$569,500sold priceListed at $574,000 · 99.2% of asking$225/sqftMLS# 2145977
4
Beds
3
Baths
2,536
Sq Ft
2003
Built
2
Garage
No
Pool
HOA $5/mo9,148 sqft lotSingle Family Residence2 stories

About this home

Fleming Island

**Open House Saturday May 23rd 11:00-2:00** This immaculate Eagle Harbor 4 bedroom, 3 bath home is situated on a beautiful preserve lot with plenty of room for a pool and more. The kitchen features upgraded cabinets, stainless appliances and granite countertops, and is open to the family room and eating nook. The family room offers a large triple siding door to the screened lanai. The 4th bedroom is upstairs with a full bath and large closet, plus a mini split for efficient cooling. There is a separate first floor office with French doors along with a formal dining room, each feature large windows for natural light. Both primary bath and 2nd bath have updated vanities and fixtures. This home is in a great location, close to schools, community amenities, restaurants and shopping. Eagle Harbor offers resort style amenities including 3 super pools, golf, tennis, pickleball, clubhouse and numerous neighborhood parks. Water heater is brand new 4/2026.

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$3,154
Property taxesest. at asking price, Clay County$873
HOAbilled annually$5
Estimated total, before insurance$4,032/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,837/yr · $570/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

$569,500
$113,900
Loan Term
Monthly Payment
$3,154
Principal & Interest: $3,154
Property taxes (est.): $873
Insurance (est.): $380
Estimated Total Monthly
$4,407
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: ~1,633 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

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

Last sold: $561,000 in July 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$461,151$294,954—
2024$454,780$285,934—
2023$445,797$276,150—
2022$362,707$222,442—
2021$293,157$214,507—
2020$284,499$210,856—

2025 property taxes (current owner): $6,837/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.

History

Price & status history

  • Jul 9, 2026Closed$574,000

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

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 $214/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1716 Secluded Woods Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$640,000$2145/42,984510.3
1730 Walton Lake Court, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$575,000$1895/3.53,047640.3
1433 Course View Drive, Fleming Island, FL 32003Listed by ELITE REALTY GROUPSep 2026$560,000$1895/42,96340.5
1703 Hunters Ridge Road, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLCAug 2026$555,000$2754/2.52,01920.5
2091 Water Crest Drive, Fleming Island, FL 32003Listed by MAXREV, LLCSep 2026$510,000$2284/22,23570.6
1522 Quail Wood Court, Fleming Island, FL 32003Listed by KALLAM REALTY GROUP PLLCSep 2026$391,000$1973/21,988780.7

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$574,000
Price / Sq Ft$226
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,536
Acres0.21 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryFleming Island
MiddleLakeside

Community Information

Address1916 Vista Lakes Drive, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size9,147.6 sq ft
Lot Dimensions75 X 134
Parcel Number32042602126203628
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights, Restaurant, Curbs
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Zoned
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedMay 19, 2026
Days on Market6
HOA Fees$60 / Annually
HOA FrequencyAnnually
HOA NameEagle Harbor HOA
Tax Amount$6,836.72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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 Jul 9, 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

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