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Pending

Pending·58 days on market

2254 Eagle Talon Circle

Fleming Island, FL 32003

$384,900$218/sqftEst. $1,962/moMLS# 2147835

Beds

Baths

1,763

Sq Ft

2020

Built

Garage

Pool

About this home

Fleming Island

Welcome home to the Reserve at Eagle Harbor! This charming 3 bedroom plus office/flex space, 2 bath home is just waiting for a new owner! Open floor plan perfect for entertaining! LVP flooring throughout! Kitchen with 42'' cabinets, quartz counters, stainless appliances and overlooks the living/dining areas! Split bedroom arrangement! Spacious Primary suite! Sip your morning coffee in the screened-in lanai that overlooks the pond! Inside Laundry, washer and dryer included! Enjoy all of Eagle Harbor's amenities, from the pool to tennis courts and play areas! Conveniently located near schools, shopping, dining and more, with quick access to NAS Jax and interstates!

Cost to own

Mortgage calculator

Home Price

$384,900

Down Payment: 20%

$76,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,962

Principal & Interest: $1,962

Property taxes (est.): $590

Insurance (est.): $257

Estimated Total Monthly

$2,809

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,962

Property taxesest. at asking price, Clay County$590

HOAbilled annually$4

Estimated total, before insurance$2,557/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,240/yr · $603/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$310,153	$310,153	—
2024	$314,800	$314,800	—
2023	$306,704	$160,144	—
2022	$279,280	$154,024	—
2021	$213,177	$148,082	—
2020	$55,000	$25,289	—

2025 property taxes (current owner): $7,240/yr

Estimated taxes if purchased at asking price: ~$7,100/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.