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Pending

Pending·64 days on market

1460 Creeks Edge Court

Fleming Island, FL 32003

$489,000$215/sqftEst. $2,493/moMLS# 2148294

Beds

Baths

2,275

Sq Ft

1996

Built

Garage

Pool

About this home

Fleming Island

HIDDEN GEM 4 bedroom 2 bathroom home in the sought after Eagle Harbor Community! Beautiful wood floors and boasting natural light flow throughout the home. High ceilings feel make this spacious home feel even bigger with timeless white trim, and an open flowing floorpan. An office enclosed with french doors can be utilized as a 5th bedroom with a hanging closet and brand new mounted murphy bed unit. The family room features a wood burning fireplace, and is open to the kitchen and breakfast nook for the perfect hosting space. The kitchen has granite counters, lots of cabinet and counter space, and bar height seating. The Master suite has a walk in closet, two huge separate sinks and vanity areas, a spa tub, and glass door enclosed shower. The toilet has a separate toilet room for privacy, and a bidet attachment. Enjoy outdoor living in this private fenced in backyard. The lanai is screened in and tiled, and ready for you to unwind all summer.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $749

Insurance (est.): $326

Estimated Total Monthly

$3,569

*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$2,493

Property taxesest. at asking price, Clay County$749

HOAbilled annually$4

Estimated total, before insurance$3,247/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,590/yr · $382/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	$393,661	$217,546	—
2024	$388,635	$210,708	—
2023	$381,359	$203,115	—
2022	$324,780	$195,743	—
2021	$252,552	$188,586	—
2020	$235,292	$185,292	—

2025 property taxes (current owner): $4,590/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

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: material not specified — year not disclosed (home built 1996)

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: ~1,711 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.

History