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Active

Active·16 days on market

1716 Secluded Woods Way

Fleming Island, FL 32003

$665,000$223/sqftEst. $3,429/moMLS# 2156720

Beds

Baths

2,984

Sq Ft

1998

Built

2.5

Garage

Yes

Pool

About this home

Fleming Island

Attention buyers...receive a $10,000 upgrade allowance on this sparkling pool home in the heart of Eagle Harbor! Tucked away on a quiet cul-de-sac, this immaculate home features lush tropical landscaping and fresh exterior paint for outstanding curb appeal. Enjoy year-round outdoor living in the screened, heated, saltwater pool. The spacious floor plan offers 4 bedrooms and 3 full baths on the main level, plus a 5th bedroom or bonus room with a 4th bathroom upstairs ideal for guests or playroom. The oversized garage includes a workshop/storage area, and the extended driveway provides ample parking. There's plenty of room in the side yard for pets and kids to play. Conveniently located near Fleming Island schools and bus stop, Eagle Harbor's golf course, neighborhood playgrounds and pools. Updated HVAC in 2026, roof in 2019, pool and water heater in 2016.

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,429

Principal & Interest: $3,429

Property taxes (est.): $1,019

Insurance (est.): $443

Estimated Total Monthly

$4,892

*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$3,429

Property taxesest. at asking price, Clay County$1,019

HOAbilled annually$5

Estimated total, before insurance$4,453/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,238/yr · $436/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): $5,238/yr

Estimated taxes if purchased at asking price: ~$12,200/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, 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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,539 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, 2026Price change$665,000−$10,000
Jul 23, 2026Listed$675,000

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

Features

Price$665,000

Price / Sq Ft$223

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,984

Acres0.25 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2.5

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address1716 Secluded Woods Way, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size10,890 sq ft

Parcel Number32042602126202239

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Pickleball, Playground

UtilitiesCable Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2