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Pending

Pending·16 days on market

2004 Hawkeye Place

Fleming Island, FL 32003

$410,000$156/sqftEst. $2,090/moMLS# 2154883

Beds

Baths

2,629

Sq Ft

2020

Built

Garage

Pool

About this home

Fleming Island

Welcome to the Reserve at Eagle Harbor! Tucked away in a quiet Eagle Harbor cul-de-sac, this stunning family retreat offers the ultimate in privacy with NO rear neighbors! This charming 4 bedroom, 3 full bath home offers 2629 sq ft of comfortable living space designed for both relaxation and entertaining. The interior is designed to impress, featuring a living room with a wall of three sliding glass doors that open fully to blend your indoor and outdoor worlds seamlessly. Step out onto an expansive paved patio overlooking a massive backyard. Perfect for spacious outdoor lounge seating and entertaining. The heart of the home features a well-appointed kitchen anchored by rich granite countertops, a sleek tile backsplash, and stainless steel appliances. The spacious breakfast bar serves as the perfect casual dining spot or central gathering hub while entertaining.

Cost to own

Mortgage calculator

Home Price

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,090

Principal & Interest: $2,090

Property taxes (est.): $628

Insurance (est.): $273

Estimated Total Monthly

$2,992

*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$2,090

Property taxesest. at asking price, Clay County$628

HOAbilled annually$5

Estimated total, before insurance$2,723/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,199/yr · $767/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

2025 property taxes (current owner): $9,199/yr

Estimated taxes if purchased at asking price: ~$7,500/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, 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 2020)

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

Solar potential: ~1,731 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