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Active

Active·28 days on market

2299 S Brook Drive

Fleming Island, FL 32003

$496,000$174/sqftEst. $2,529/moMLS# 2152746

Beds

Baths

2,855

Sq Ft

2002

Built

Garage

Pool

About this home

Fleming Island

Welcome to this beautifully updated home in the highly sought-after Eagle Harbor community of Fleming Island! Thoughtfully maintained and move-in ready, this home offers the perfect blend of style, comfort, and peace of mind. Enjoy a stunning kitchen renovation (2019), updated flooring, a renovated staircase, fresh interior paint, and a freshly painted exterior (2024). Major updates include a new roof and HVAC (2019), paver driveway (2023), new stove and refrigerator (2021), and new washer (2026). Located in one of Northeast Florida's premier communities, Eagle Harbor offers resort-style pools, golf, tennis, pickleball, parks, playgrounds, scenic trails, and top-rated Clay County schools. With countless upgrades already completed, this exceptional home is ready for you to move in and enjoy the Eagle Harbor lifestyle!

Cost to own

Mortgage calculator

Home Price

$496,000

Down Payment: 20%

$99,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,529

Principal & Interest: $2,529

Property taxes (est.): $760

Insurance (est.): $331

Estimated Total Monthly

$3,620

*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$2,529

Property taxesest. at asking price, Clay County$760

HOAbilled annually$5

Estimated total, before insurance$3,294/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,115/yr · $593/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	$536,457	$294,427	—
2024	$528,954	$285,422	—
2023	$515,648	$275,653	—
2022	$388,938	$266,168	—
2021	$317,532	$256,960	—
2020	$302,722	$252,722	—

2025 property taxes (current owner): $7,115/yr

Estimated taxes if purchased at asking price: ~$9,100/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 2002)

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: ~1,728 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

Jun 27, 2026Listed$496,000

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

Features

Price$496,000

Price / Sq Ft$174

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,855

Acres0.25 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address2299 S Brook Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size10,890 sq ft

Parcel Number31042602126202942

Amenities

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

UtilitiesCable Available, Electricity Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

FlooringLaminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)