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Active

Active·16 days on market

2140 Eagle Talon Circle

Fleming Island, FL 32003

$450,000$168/sqftEst. $2,294/moMLS# 2153618

Beds

Baths

2,685

Sq Ft

2018

Built

Garage

Pool

About this home

Fleming Island

Meticulously cared for and beautifully updated, this 3-bedroom, 2.5-bath Eagle Harbor home offers 2,685 sq. ft. of thoughtfully designed living in one of Fleming Island's most sought-after communities. The gourmet kitchen features granite countertops, a tile backsplash, double ovens, a walk-in pantry, and abundant cabinetry, all opening to spacious living and dining areas. Tile floors downstairs and luxury vinyl plank upstairs provide low-maintenance living. Upstairs you'll find all three bedrooms, a convenient laundry room, and a versatile loft perfect for a second living space or office. The spacious primary suite offers large closets and a spa-like bath with a soaking tub and tiled shower. Additional highlights include an under-stair storage closet, a tandem 2/3 garage with built in cabinets, a covered patio, and a fully fenced backyard. Enjoy Eagle Harbor's resort-style amenities, top-rated schools, shopping, and dining--this is more than a home, it's a lifestyle!

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $690

Insurance (est.): $300

Estimated Total Monthly

$3,284

*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$2,294

Property taxesest. at asking price, Clay County$690

HOAbilled annually$5

Estimated total, before insurance$2,989/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,936/yr · $578/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	$445,721	$279,652	—
2024	$454,923	$271,064	—
2023	$444,445	$261,713	—
2022	$401,991	$252,634	—
2021	$300,276	$243,820	—
2020	$289,764	$239,764	—

2025 property taxes (current owner): $6,936/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2018)

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

Solar potential: ~1,668 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 10, 2026Active$450,000

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

Features

Price$450,000

Price / Sq Ft$168

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,685

Acres0.12 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address2140 Eagle Talon Circle, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionReserve At Eagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size5,227.2 sq ft

Parcel Number04052601417601664

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond