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Active Under Contract

Active Under Contract·8 days on market

2091 Water Crest Drive

Fleming Island, FL 32003

$499,999$224/sqftEst. $2,578/moMLS# 2157564

Beds

Baths

2,235

Sq Ft

1995

Built

Garage

Pool

About this home

Fleming Island

Welcome to 2091 Water Crest Drive - where timeless design meets modern luxury in the heart of Eagle Harbor! This completely remodeled 4-bedroom, 2-bath home offers over 2,200 square feet of beautifully reimagined living space with high-end finishes throughout. From the moment you step inside, you'll appreciate the designer lighting, private designated office space, luxury flooring, and thoughtfully curated details that make this home truly move-in ready. The stunning chef's kitchen serves as the heart of the home, featuring custom cabinetry, quartz countertops, premium stainless steel appliances, a spacious island with seating, and abundant storage. The open-concept design flows seamlessly into the living and dining areas, making it ideal for entertaining and everyday living. The spacious primary suite offers a private retreat complete with a spa-inspired ensuite bath showcasing a custom walk-in shower, dual vanity, elegant finishes, and a freestanding soaking tub designed for...

Cost to own

Mortgage calculator

Home Price

$499,999

Down Payment: 20%

$100,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,578

Principal & Interest: $2,578

Property taxes (est.): $766

Insurance (est.): $333

Estimated Total Monthly

$3,678

*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$2,578

Property taxesest. at asking price, Clay County$766

HOAbilled annually$5

Estimated total, before insurance$3,350/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,455/yr · $288/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): $3,455/yr

Estimated taxes if purchased at asking price: ~$9,200/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 D

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

Roof: Shingle — year not disclosed (home built 1995)

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: ~1,543 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 7, 2026Active Under Contract$499,999
Jul 29, 2026Listed$499,999

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

Features

Price$499,999

Price / Sq Ft$224

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,235

Total Structure Area2,884 sq ft

Acres0.20 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2091 Water Crest Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size8,712 sq ft

Lot Dimensions75x110

Parcel Number32042602126200504

ZoningSingle Family

Amenities

AmenitiesPool, Other, Basketball Court, Boat Slip, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

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

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Freezer, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup