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Active Under Contract

Active Under Contract·16 days on market

2028 Trailing Pines Way

Fleming Island, FL 32003

$429,000$209/sqftEst. $2,187/moMLS# 2150689

Beds

Baths

2,055

Sq Ft

2003

Built

Garage

Pool

About this home

Fleming Island

Welcome home to this move in ready 3-bedroom, 2-bath home situated on a quiet cul de sac in Eagle Harbor. Luxury vinyl plank flooring runs throughout the entire home, The kitchen features quartz countertops, a breakfast bar with imported Spanish tile, and a sunny breakfast nook. A separate formal dining room provides dedicated space for entertaining. Updated bathrooms include a large walk in shower in the primary with separate freestanding tub, sleek trimless glass and matching quartz countertops in both bathrooms. A flexible bonus space adapts easily to a home office, playroom, or extra living area. The backyard is fully fenced. Major systems are updated -- roof replaced in 2022 and HVAC in 2024. Eagle Harbor is a master-planned community in Fleming Island with resort-style amenities including a golf, pools, tennis, soccer fields, and miles of walking and biking trails. The boat docks are perfect for enjoying the water and taking in the views of Doctors Lake.

Cost to own

Mortgage calculator

Home Price

$429,000

Down Payment: 20%

$85,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,187

Principal & Interest: $2,187

Property taxes (est.): $657

Insurance (est.): $286

Estimated Total Monthly

$3,131

*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$2,187

Property taxesest. at asking price, Clay County$657

HOAbilled annually$5

Estimated total, before insurance$2,849/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.

Cost to own

Taxes & assessment

Last sold: $385,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$357,919	$280,336	—
2024	$337,757	$271,728	—
2023	$330,567	$262,358	—
2022	$275,154	$258,535	—
2021	$235,032	$235,032	—
2020	$217,781	$217,781	—

Estimated taxes if purchased at asking price: ~$7,900/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — 2022 per the listing

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

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: ~1,745 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