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Active

Active·49 days on market

2144 Arden Forest Place

Fleming Island, FL 32003

$534,900$214/sqftEst. $2,758/moMLS# 2151200

Beds

Baths

2,498

Sq Ft

2018

Built

Garage

Pool

About this home

Fleming Island

Welcome to open-concept luxury living in Fleming Island's highly desirable Eagle Harbor community! This immaculate home features; 4-bedrooms, 3-baths, living room, dining room, kitchen, dining area, laundry room, 3-car garage (with pull down stairs to attic), screened porch and fully fenced back yard. Home features a private split-bedroom layout highlighted by 10-foot ceilings, wood-look tile plank flooring, designer lighting, built-in bookcases in the living room, and a sleek electric fireplace. The well-appointed kitchen boasts granite countertops, a breakfast bar, dining area, a walk-in pantry(with built in shelving), and premium stainless-steel appliances, including a double oven and new refrigerator and dishwasher. A separate laundry room has washer and dryer (to convey with purchase) and separate wash sink. The primary suite serves as a true sanctuary with custom ''his and her'' walk-in closets and a spa-like bath with dual vanities, a deep soaking tub, and a walk-in shower.

Cost to own

Mortgage calculator

Home Price

$534,900

Down Payment: 20%

$106,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,758

Principal & Interest: $2,758

Property taxes (est.): $820

Insurance (est.): $357

Estimated Total Monthly

$3,935

*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$2,758

Property taxesest. at asking price, Clay County$820

HOAbilled annually$5

Estimated total, before insurance$3,583/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,232/yr · $769/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	$465,977	$465,977	—
2024	$458,559	$458,559	—
2023	$448,583	$423,210	—
2022	$384,737	$384,737	—
2021	$313,583	$249,614	—
2020	$302,399	$245,478	—

2025 property taxes (current owner): $9,232/yr

Estimated taxes if purchased at asking price: ~$9,800/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 — year not disclosed (home built 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,688 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 29, 2026Price change$534,900−$4,100
Jun 18, 2026Listed$539,000

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

Features

Price$534,900

Price / Sq Ft$214

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,498

Acres0.15 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2144 Arden Forest Place, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionReserve At Eagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size6,534 sq ft

Parcel Number05052601419002684

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Other

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityFire Alarm, Security System Owned, Smoke Detector(s)