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Sold

Sold·Closed Aug 20, 2026·35 days on market

2533 Sunny Creek Drive

Fleming Island, FL 32003

$635,000sold priceListed at $659,900 · 96.2% of asking$177/sqftMLS# 2146982
5
Beds
4.5
Baths
3,580
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XHOA $10/moWaterfrontSingle Family Residence2 stories

About this home

Fleming Island

Welcome to this beautifully updated, WATERFRONT Fleming Island home in the desirable community of Eagle Harbor, offering spacious living areas and an impressive list of recent upgrades. Some of the improvements include fresh paint throughout, new electric water heater, new LVP & carpet, new dishwasher, and quartz countertops in the kitchen, creating a fresh and modern feel. The open living room features an elegant fireplace, while a separate dining room and den provide additional space for entertaining and everyday living. This unique floor plan offers two primary bedrooms, both on the main level, including a second primary suite with dual sinks and a separate soaking tub and shower. Upstairs, enjoy added flexibility with a family room and bonus room ideal for a media space, office, or playroom. Spacious lot and huge covered patio where you can enjoy the beautiful waterfront views. This home truly has it all, and combines luxury and functionality. Show it today as it won't last long!

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$3,517
Property taxesest. at asking price, Clay County$973
HOAbilled annually$10
Estimated total, before insurance$4,500/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,397/yr · $950/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

$635,000
$127,000
Loan Term
Monthly Payment
$3,517
Principal & Interest: $3,517
Property taxes (est.): $973
Insurance (est.): $423
Estimated Total Monthly
$4,914
*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.

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 2005)

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: ~1,512 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

As of July 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

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

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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): $11,397/yr

Estimated taxes if purchased at asking price: ~$11,700/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 20, 2026Closed$659,900
  • Jul 20, 2026Pending$659,900
  • Jul 16, 2026Price change$659,900−$40,000
  • May 25, 2026Listed$699,900

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 $193/sq ft; this home is listed at $184/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2727 Shade Tree Drive, Fleming Island, FL 32003Listed by MARK SPAIN REAL ESTATESep 2026$750,000$1754/4.54,2791230.3
1831 Cross Green Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$680,000$2154/3.53,1651270.4
2518 Country Side Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$695,000$1865/3.53,727200.4
2470 Country Side Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERYJul 2026$530,000$1694/3.53,136900.5
2388 Country Side Drive, Fleming Island, FL 32003Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2026$560,000$1933/2.52,89950.8
1874 Hickory Trace Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$730,000$2245/3.53,260600.9

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$659,900
Price / Sq Ft$184
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,580
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesNortheast

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs

Community Information

Address2533 Sunny Creek Drive, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number8052601426400530
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Park, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedMay 25, 2026
Days on Market35
HOA Fees$120 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$11,397
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HOMESMART

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 Aug 20, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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