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Active Under Contract

Active Under Contract·77 days on market

2220 Lookout Landing

Fleming Island, FL 32003

$565,000$206/sqftEst. $2,992/moMLS# 2153636

↓ $44,000 below original list

Beds

Baths

2,739

Sq Ft

1999

Built

Garage

Pool

FEMA Zone XHOA $5/mo9,583 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fleming Island

OPEN HOUSE on Sat. 9/12/26 from 1 PM - 3PM!! HUGE PRICE REDUCTION! Waterfront home in Eagle Harbor, Fleming Island FL 32003 -- east-facing pond frontage with sunrise views, fire pit, and stone patio. This one-story, 5-bedroom, 4-bath home offers 2,739 sq ft of single-level living: four bedrooms downstairs including a spacious primary suite with spa-style bath, soaking tub, separate walk-in shower, and walk-in closet, plus a private upstairs guest suite with full bath -- ideal in-law suite, multigenerational setup, home office, or media room. Granite kitchen open to the main living area, custom built-ins, plantation shutters, two fireplaces, luxury vinyl and wood flooring throughout. Major updates complete: NEW roof June 2026 with transferable warranty, CDD bond paid in full, clean 4-point inspection on file, owned water softener, EV charger, and so much more. The boring-but-critical stuff is done at 2220 Lookout Landing -- that's what ''move-in ready'' actually means.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,992

Property taxesest. at asking price, Clay County$866

HOAbilled annually$5

Estimated total, before insurance$3,863/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,576/yr · $631/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,992

Principal & Interest: $2,992

Property taxes (est.): $866

Insurance (est.): $377

Estimated Total Monthly

$4,235

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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: ~1,665 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.

Cost to own

Taxes & assessment

Last sold: $508,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$464,064	$413,342	—
2024	$442,567	$442,567	—
2023	$439,022	$439,022	—
2022	$378,911	$224,088	—
2021	$305,275	$216,105	—
2020	$282,470	$212,431	—

2025 property taxes (current owner): $7,576/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

History

Price & status history

Sep 15, 2026Active Under Contract$565,000
Sep 10, 2026Price change$565,000−$15,000
Aug 15, 2026Price change$580,000−$19,000
Jul 20, 2026Price change$599,000−$10,000
Jul 8, 2026Active$609,000

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

Features

Price$565,000

Price / Sq Ft$206

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,739

Total Structure Area3,590 sq ft

Acres0.22 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address2220 Lookout Landing, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size9,583.2 sq ft

Parcel Number30042602126202792

Amenities

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

Community FeaturesSidewalks, Suburban, Street Lights, Restaurant, Curbs

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypeLagoon, Pond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Wood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio

FencingBack Yard, Wrought Iron

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedJuly 8, 2026

Days on Market68

HOA Fees$60 / Annually

HOA FrequencyAnnually

HOA NameEagle Harbor Association

Tax Amount$7,576.08

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX UNLIMITED · nicole@firstcoastcollective.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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