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Active

Active·63 days on market

1416 Walnut Creek Drive

Fleming Island, FL 32003

$547,000$212/sqftEst. $2,827/moMLS# 2153062

Beds

Baths

2,582

Sq Ft

2003

Built

Garage

Pool

About this home

Fleming Island

NEW ROOF, HVAC & WATER HEATER -- plus a 2025 kitchen refresh! This 4BR/3BA waterfront gem in Eagle Harbor has already done the hard part for you. Roof & HVAC (2022), Water Heater (2023), and an updated 2025 kitchen with granite counters, new refrigerator, range & microwave open to the family room set the stage for easy living. Luxury Vinyl Plank flooring runs throughout the open-concept main living areas, filled with natural light. Unwind in the spacious owner's suite with dual vanities, soaking tub & walk-in shower, or relax on the screened lanai overlooking a peaceful pond. Three more bedrooms, a dedicated laundry room, 3-car garage & fenced yard complete the home. Eagle Harbor offers golf, tennis, pickleball, parks & resort-style amenities, with easy access to shopping, dining & major highways. Move-in ready -- schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$547,000

Down Payment: 20%

$109,400

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,827

Principal & Interest: $2,827

Property taxes (est.): $838

Insurance (est.): $365

Estimated Total Monthly

$4,030

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,827

Property taxesest. at asking price, Clay County$838

HOAbilled annually$5

Estimated total, before insurance$3,670/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,302/yr · $442/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	$497,579	$194,356	—
2024	$490,529	$188,172	—
2023	$480,549	$181,235	—
2022	$406,467	$174,500	—
2021	$316,322	$167,962	—
2020	$290,266	$164,953	—

2025 property taxes (current owner): $5,302/yr

Estimated taxes if purchased at asking price: ~$10,100/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 2003)

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: ~1,737 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

Aug 27, 2026Price change$547,000−$3,000
Jul 8, 2026Active$550,000

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

Features

Price$547,000

Price / Sq Ft$212

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,582

Total Structure Area3,407 sq ft

Acres0.21 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address1416 Walnut Creek Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size9,147.6 sq ft

Parcel Number29042601316400272

ZoningResidential

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Zoned

CoolingCentral Air, Zoned

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)