$367,000Sold3 bd · 2 ba · 1,704 sq ft
Sold·Closed Oct 13, 2026·44 days on market
2109 Pebble Creek Lane
Fleming Island, FL 32003
About this home
Fleming Island
Nestled on a cul-de-sac in the charming Brookstone neighborhood of Eagle Harbor, this lovingly maintained, single-owner home offers a serene retreat surrounded by mature magnolia and oak trees, gently curving streets, a neighborhood playground, and the timeless appeal of an established community. This inviting 3-bedroom, 2-bath home features a desirable split-bedroom floor plan and an open-concept layout with wood and tile flooring throughout the main living areas. A versatile flex room provides the ideal space for a formal dining room, home office, playroom, or additional living area. A freshly painted dining room, primary suite and bath, guest bedroom, and brand-new carpeting in all bedrooms create a fresh, welcoming feel. The updated kitchen showcases granite countertops, a stylish farmhouse sink, a tiled backsplash, and quality KraftMaid soft-close cabinetry with elevated sliders for added storage, flowing seamlessly into the family room centered around a cozy wood-burning
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 1999)
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: ~1,679 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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 23 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 5 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 1 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 1 mi · Doctors Lake
Closest grocery store
Publixabout 6 mi · 6001 Argyle Forest Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,038/yr
Estimated taxes if purchased at asking price: ~$6,700/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.
History
Price & status history
- Oct 14, 2026Closed$369,000
- Sep 12, 2026Active Under Contract$369,000
- Sep 10, 2026Price change$369,000−$10,000
- Jul 30, 2026Listed$379,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $232/sq ft; this home is listed at $215/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2329 Side Wheel Court, Fleming Island, FL 32003Listed by NEXTHOME COLLINS REALTY | Oct 2026 | $363,000 | $209 | 4/2 | 1,740 | 87 | 0.4 |
| 1644 Players Club Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2026 | $415,000 | $237 | 3/2 | 1,751 | 3 | 0.6 |
| 1634 Highland View Court, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $395,000 | $232 | 3/2 | 1,701 | 39 | 1 |
| 1623 Highland View Court, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Nov 2026 | $375,000 | $248 | 3/2 | 1,514 | 5 | 1.1 |
| 1998 Lenox Court, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $353,900 | $164 | 3/2.5 | 2,152 | 43 | 1.1 |
| 1607 Highland View Court, Fleming Island, FL 32203Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $415,000 | $210 | 4/3 | 1,980 | 41 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
Sold by: REALTY ONE GROUP ELEVATE (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Oct 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
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