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Active

Active·6 days on market

2518 Willow Creek Drive

Fleming Island, FL 32003

$575,000$218/sqftEst. $2,965/moMLS# 2157646

Beds

Baths

2,640

Sq Ft

2000

Built

Garage

Pool

About this home

Fleming Island

Welcome to this one of a kind, spacious home with many beautiful upgrades throughout as well as one of the best golf course views in Fleming Island Plantation. As you enter this immaculate home, you will be impressed with its open floorplan with high vaulted ceilings and plenty of room. It features a large open living room with plenty of sunshine and light which leads you to the kitchen and eating area. Separate dining room with hardwood floors give it an elegant look. Porcelain tile and hardwood throughout. The elegant marble and granite staircase leads you up to a spacious open loft - excellent for your entertainment center with plenty of light as well. The 800 square foot screened enclosure overlooks the 3rd fairway of Fleming Island Golf course and is ideal for outdoor entertaining or watching the sunset.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,965

Principal & Interest: $2,965

Property taxes (est.): $881

Insurance (est.): $383

Estimated Total Monthly

$4,230

*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$2,965

Property taxesest. at asking price, Clay County$881

HOAbilled annually$12

Estimated total, before insurance$3,858/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,475/yr · $456/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): $5,475/yr

Estimated taxes if purchased at asking price: ~$10,600/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 — year not disclosed (home built 2000)

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: ~1,756 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 August 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 1, 2026Active$575,000
Jul 29, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$218

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,640

Acres0.27 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2518 Willow Creek Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionSouthern Links

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size11,761.2 sq ft

Parcel Number09052601426601243

Amenities

UtilitiesCable Available, Electricity Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course, Pond, Trees/Woods

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringMarble, Tile, Wood

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)