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Active

Active·11 days on market

2010 Copper Creek Drive B

Fleming Island, FL 32003

$315,000$155/sqftEst. $1,624/moMLS# 2157397

Beds

Baths

2,029

Sq Ft

2005

Built

Garage

Pool

About this home

Fleming Island

Looking for privacy, nature, and a low-maintenance lifestyle? This special Eagle Harbor home is tucked into a quiet cul-de-sac with no homes directly behind it. Enjoy a peaceful wooded backdrop, established landscaping, and views of birds and wildlife from the living room, spacious primary suite, primary bathroom, upstairs bedroom, and private screened patio. High ceilings create a bright, open feel, while the primary suite features an extended walk-in closet and stand-alone shower. The HOA provides added convenience by maintaining the roof, building exterior, landscaping, and certain other exterior and community features. Eagle Harbor amenities include pools, water attractions, parks, a dock, golf, restaurant, tennis and pickleball courts, soccer fields, and playgrounds. More than a home, this is a private retreat where you can slow down, connect with nature, and enjoy the lifestyle you have been looking for. Roof replaced in 2022 by HOA and brand-new carpet just installed.

Cost to own

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,624

Principal & Interest: $1,624

Property taxes (est.): $483

Insurance (est.): $210

Estimated Total Monthly

$2,317

*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$1,624

Property taxesest. at asking price, Clay County$483

HOAbilled monthly$425

Estimated total, before insurance$2,532/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,285/yr · $274/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): $3,285/yr

Estimated taxes if purchased at asking price: ~$5,800/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 — 2022 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: ~1,644 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

Aug 2, 2026Price change$315,000−$9,000
Jul 28, 2026Listed$324,000

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

Features

Price$315,000

Price / Sq Ft$155

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,029

Acres0.09 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StyleVilla

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryPaterson

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2010 Copper Creek Drive B, Fleming Island, FL 32003

Area123-Fleming Island-SE

SubdivisionStone Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size3,920.4 sq ft

Parcel Number09052601417600882

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity System Owned, Smoke Detector(s)