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Active

Active·20 days on market

1662 Pinecrest Drive

Fleming Island, FL 32003

$645,000$231/sqftEst. $3,433/moMLS# 2150720

Beds

Baths

2,797

Sq Ft

2000

Built

Garage

Pool

About this home

Fleming Island

Wonderfully designed golf course home in Eagle Harbor. Built by Sid Higginbotham, this home has the desired set up: 4/3, with 3 bedrooms/ 2 baths down, and one bedroom and full bath upstairs. Open concept, large sliders and windows soaking in the wonderful views of the 10th green. Oversized 2 car garage, with room (and side door) for a golf cart. Newer roof (2018), AC (2020), and exterior paint (2026). Homesite has room for a future pool/ backyard oasis. Ring camera at front door does not convey.

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,278

Principal & Interest: $3,278

Est. Taxes & Insurance: $820

Estimated Total Monthly

$4,098

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,433

Property taxesest. at asking price, Clay County$988

HOAbilled annually$4

Estimated total, before insurance$4,426/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	$483,755	$224,390	—
2024	$469,411	$217,218	—
2023	$459,714	$209,290	—
2022	$396,679	$206,093	—
2021	$317,555	$198,620	—
2020	$308,302	$195,181	—

2025 property taxes (current owner): $4,694/yr

Estimated taxes if purchased at asking price: ~$11,900/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 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 E

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

Roof: Shingle — 2018 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: ~1,479 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

Jun 26, 2026Listed$645,000

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

Features

Price$645,000

Price / Sq Ft$231

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,797

Acres0.34 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1662 Pinecrest Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size14,810.4 sq ft

Parcel Number31042602126202209

ZoningResidential

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener