Pending·46 days on market
1843 Commodore Point Drive
Fleming Island, FL 32003
About this home
Fleming Island
Welcome to Eagle Harbor! Nestled on a beautifully landscaped half-acre lot with a new roof (2026) and water heater (2026), this 4-bedroom, 3-bath home offers timeless charm, thoughtful updates, and peaceful preserve views. Inside, enjoy updated flooring, a beautifully renovated owner's bath, granite countertops, and spacious living areas designed for everyday comfort. And did i mention a 2026 roof and water heater provided to add a peace of mind all with the screened lanai that overlooks a private backyard, which is perfect for morning coffee or evening relaxation. Located in one of Fleming Island's most desirable communities, residents enjoy exceptional amenities, golf, parks, and highly regarded schools. CDD bond paid off! The preferred lender offers 1% of the loan amount as a credit to the buyer which can be used for rate buydown and/or closing costs.
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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: Shingle — 2026 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: ~1,674 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 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
- Sep 22, 2026Pending$580,000
- Aug 7, 2026Active$580,000
- Jul 26, 2026Listed$580,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY ONE GROUP ELEVATE · italy.ritchie18@gmail.com
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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines