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Pending

Pending·49 days on market

2518 Country Side Drive

Fleming Island, FL 32003

$695,000$186/sqftEst. $3,699/moMLS# 2147318

Beds

Baths

3,727

Sq Ft

2006

Built

Garage

Pool

About this home

Fleming Island

Black Creek of Eagle Harbor | Downstairs primary suite | Huge loft/flex space | 2024 roof | 2026 Brand New Water Heater | Extended Screened Lanai | Community Pool and Dock Nearby Set in Black Creek of Eagle Harbor, 2518 Country Side Dr offers 3,727 sq ft, 5 bedrooms, a dedicated office, huge loft-flex space , 3.5 baths, a 3-car garage, and a 0.27-acre lot in Fleming Island. Soaring ceilings and abundant natural light create an impressive sense of scale, while new LVP flooring adds a fresh, modern feel. The updated kitchen features granite countertops and brand-new stainless steel appliances with open flow for everyday living and entertaining. The main-level primary suite adds comfort and convenience, and the downstairs office works well as a flex room. Upstairs, 4 bedrooms surround a huge extended loft, ready for media, games, hobbies, or lounge space. Outside, enjoy a private screened paver patio with a newer hot tub and room to design an outdoor kitchen.

Cost to own

Mortgage calculator

Home Price

$695,000

Down Payment: 20%

$139,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,511

Principal & Interest: $3,511

Est. Taxes & Insurance: $878

Estimated Total Monthly

$4,388

*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$3,699

Property taxesest. at asking price, Clay County$1,065

HOAbilled annually$10

Estimated total, before insurance$4,774/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

Year	Market value	Taxable value	Change
2025	$606,155	$347,707	—
2024	$603,249	$337,201	—
2023	$621,943	$325,924	—
2022	$487,107	$297,465	—
2021	$381,548	$287,345	—
2020	$369,595	$369,595	—

2025 property taxes (current owner): $7,641/yr

Estimated taxes if purchased at asking price: ~$12,800/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 (2025), NEFMLS.

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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,756 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.

Features

Price$695,000

Price / Sq Ft$186

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,727

Acres0.27 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleLake Asbury

HighFleming Island

Community Information

Address2518 Country Side Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size11,761.2 sq ft

Parcel Number07052601426400282

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Children's Pool, Golf Course, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage