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Active

Active·7 days on market

2489 Country Side Drive

Fleming Island, FL 32003

$639,900$185/sqftEst. $3,300/moMLS# 2155957

Beds

Baths

3,464

Sq Ft

2006

Built

Garage

Pool

About this home

Fleming Island

Nestled on a rare preserve lot in the highly sought-after Black Creek at Eagle Harbor, this impeccably maintained 4-bedroom, 3.5-bath residence offers the ideal blend of comfort, elegance and location. Just a short walk to A-rated Thunderbolt Elementary and Fleming Island High School, and minutes from the new Baptist Clay Medical Ctr, shopping, dining and everyday conveniences. This move-in-ready home features a roof less than 5 years old, beautiful flooring and SS appliances. The spacious 1st floor primary suite offers dual walk-in closets complemented by an adjoining flex room, perfect for home office, nursery or private retreat. A generous bonus room provides add'l space for a media room, playroom or home gym. Upstairs, 3 spacious BR's and 2 full baths offer comfort for family and guests. Enjoy Eagle Harbor's amenities, including 3 resort-style pools, tennis, pickleball, basketball courts, soccer fields, playgrounds, community docks on Black Creek and the Eagle Harbor Golf Club.

Cost to own

Mortgage calculator

Home Price

$639,900

Down Payment: 20%

$127,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,300

Principal & Interest: $3,300

Property taxes (est.): $981

Insurance (est.): $427

Estimated Total Monthly

$4,707

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,300

Property taxesest. at asking price, Clay County$981

HOAbilled annually$10

Estimated total, before insurance$4,291/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,967/yr · $497/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

2025 property taxes (current owner): $5,967/yr

Estimated taxes if purchased at asking price: ~$11,800/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 2006)

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: ~1,607 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 31, 2026Active$639,900
Jul 17, 2026Listed$639,900

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

Features

Price$639,900

Price / Sq Ft$185

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,464

Total Structure Area4,236 sq ft

Acres0.24 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2489 Country Side Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size10,454.4 sq ft

Parcel Number07052601426400312

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Pickleball, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryLower Level