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Active

Active·8 days on market

2220 Lookout Landing

Fleming Island, FL 32003

$609,000$222/sqftEst. $3,241/moMLS# 2153636

Beds

Baths

2,739

Sq Ft

1999

Built

Garage

Pool

About this home

Fleming Island

OPEN HOUSE: SAT., JULY 18TH FROM 12PM - 2PM. Welcome home to this stunning 5-bedroom, 4-bathroom retreat in the heart of Eagle Harbor, one of Fleming Island's most sought-after communities. Set against a serene pond view, this move-in ready home blends modern style with everyday comfort. With 4 bedrooms, including the primary suite, on the main level, this home offers the ease of single-story living. Upstairs, a spacious bonus room with its own private bath serves as an ideal 5th bedroom, guest suite, media room, or private retreat. A charming arched, covered entry with brick paver walkway welcomes you inside, where warm modern tones, custom built-in bookshelves, and updated light fixtures set the tone throughout. Plantation shutters add timeless elegance, while two fireplaces, one wood-burning and one electric, bring cozy ambiance to the living spaces.

Cost to own

Mortgage calculator

Home Price

$609,000

Down Payment: 20%

$121,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,095

Principal & Interest: $3,095

Est. Taxes & Insurance: $774

Estimated Total Monthly

$3,869

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,241

Property taxesest. at asking price, Clay County$933

HOAbilled annually$5

Estimated total, before insurance$4,180/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$11,200/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 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 8, 2026Active$609,000

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

Features

Price$609,000

Price / Sq Ft$222

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

# 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)

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)