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Active

Active·51 days on market

2533 Sunny Creek Drive

Fleming Island, FL 32003

$699,900$196/sqftEst. $3,725/moMLS# 2146982

Beds

Baths

3,580

Sq Ft

2005

Built

Garage

Pool

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

Mortgage calculator

Home Price

$699,900

Down Payment: 20%

$139,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,535

Principal & Interest: $3,535

Est. Taxes & Insurance: $884

Estimated Total Monthly

$4,419

*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$3,725

Property taxesest. at asking price, Clay County$1,073

HOAbilled annually$10

Estimated total, before insurance$4,808/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

2025 property taxes (current owner): $11,397/yr

Estimated taxes if purchased at asking price: ~$12,900/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.

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

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

May 25, 2026Listed$699,900

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

Features

Price$699,900

Price / Sq Ft$196

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,580

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

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)

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)