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Active Under Contract

Active Under Contract·52 days on market

1768 Eagle Watch Drive

Fleming Island, FL 32003

$597,000$190/sqftEst. $3,079/moMLS# 2150996

Beds

Baths

3,135

Sq Ft

1999

Built

Garage

Pool

About this home

Fleming Island

Amazing Home, in The Amazing Eagle Harbor. High End Custom 3,135 sf. PLUS, 333sf of H/C Glassed lanai & water views, Huge front porch (35x12) that is perfect for rocking chairs & friends. Home has a stunning open floorplan, 10-12 ft ceilings and exquisite porcelain tile found in Italy. You will love the first living or game area, Large formal dining, Dedicated private office, french doors, warm wood tones & floor to ceiling built in cabinets. A cook's dream kitchen with Large island & seating, plenty of counters, cabinetry, eat-in area, a serving counter magnificently designed with supporting columns open to the large family. Custom High-end details; of crown moulding, archways, custom built-ins, bay windows, & split bedrooms. First floor Large Master Suite, bay window, lrg bath & closet , Upstairs 4th room(30 x 19 ) is a full living space with Full Bath! Seller may help with a credit or closing costs. Some photos virtually staged. Boat Ramp less than 1/2 mile!

Cost to own

Mortgage calculator

Home Price

$597,000

Down Payment: 20%

$119,400

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,079

Principal & Interest: $3,079

Property taxes (est.): $915

Insurance (est.): $398

Estimated Total Monthly

$4,392

*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$3,079

Property taxesest. at asking price, Clay County$915

HOAbilled annually$5

Estimated total, before insurance$3,999/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,942/yr · $412/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	$524,192	$240,672	—
2024	$499,180	$233,182	—
2023	$494,898	$224,934	—
2022	$427,613	$216,927	—
2021	$343,539	$209,153	—
2020	$317,072	$205,575	—

2025 property taxes (current owner): $4,942/yr

Estimated taxes if purchased at asking price: ~$11,000/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: Shingle — year not disclosed (home built 1999)

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: ~1,679 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 12, 2026Active Under Contract$597,000
Jun 17, 2026Listed$597,000

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

Features

Price$597,000

Price / Sq Ft$190

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,135

Acres0.31 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address1768 Eagle Watch Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size13,503.6 sq ft

Lot Dimensions.31

Parcel Number30042602126202790

ZoningResidential

Amenities

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

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewWater

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level

SecuritySmoke Detector(s)