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Active

Active·25 days on market

1816 Creekwood Lane

Fleming Island, FL 32003

$559,000$199/sqftEst. $2,883/moMLS# 2149540

Beds

Baths

2,804

Sq Ft

2005

Built

Garage

Pool

About this home

Fleming Island

**Breathtaking Water View & Preserve View ON PRIVATE CUL-DE-SAC** NEW HVAC , NEW ROOF effortless elegance in this beautifully renovated Eagle Harbor residence, where a bright open floorpan and abundant natural light create an exceptional lifestyle. Featuring a new paver driveway, this meticulously maintained home offers 4 bedrooms with a 5th spacious bonus MEDIA ROOM that can serve as a 5th bedroom. The kitchen showcases quartz countertops, abundant cabinetry, and flows seamlessly into the expansive living areas overlooking the pond and preserve. Enjoy peaceful evenings on the screened lanai with serene water views. The extended third garage bay offers space for a boat, workshop, golf cart, or extra storage. Residents enjoy Eagle Harbor's golf, tennis and pickleball courts, multiple community pools, a swim park, waterfront parks, miles of walking and biking trails, and access to beautiful Doctors Lake. Note the Backyard is a downward slope to the pond.

Cost to own

Mortgage calculator

Home Price

$559,000

Down Payment: 20%

$111,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,883

Principal & Interest: $2,883

Property taxes (est.): $857

Insurance (est.): $373

Estimated Total Monthly

$4,112

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,883

Property taxesest. at asking price, Clay County$857

HOAbilled annually$10

Estimated total, before insurance$3,749/mo

Seller’s 2026 tax billper the MLS — includes any CDD / assessments$6,447/yr · $537/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

2026 property taxes (current owner): $6,447/yr

Estimated taxes if purchased at asking price: ~$10,300/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: ~1,717 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

Price & status history

Jul 14, 2026Price change$559,000−$18,000
Jun 9, 2026Listed$577,000

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

Features

Price$559,000

Price / Sq Ft$199

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,804

Acres0.25 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address1816 Creekwood Lane, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size10,890 sq ft

Parcel Number01426400263

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Freezer, Ice Maker, Microwave, Tankless Water Heater, Washer

HeatingCentral, Heat Pump

CoolingCentral Air, Multi Units

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, Lower Level

SecuritySecurity System Owned, Smoke Detector(s)