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Active

Active·Listed today

1972 Woodlake Drive

Fleming Island, FL 32003

$495,000$227/sqftEst. $2,524/moMLS# 2158764

Beds

Baths

2,178

Sq Ft

1993

Built

Garage

Pool

About this home

Fleming Island

Welcome to this beautifully maintained 4-bedroom, 3-bath home nestled in the desirable Woodlake neighborhood of Eagle Harbor. Situated on a spacious homesite, this thoughtfully designed residence offers a functional split-bedroom floor plan with generous living spaces, abundant natural light, and comfortable living for families and guests alike. The inviting great room features a cozy fireplace and flows seamlessly into the kitchen and dining areas, creating the perfect setting for everyday living and entertaining. The private owner's suite offers a relaxing retreat with an en-suite bath, while three additional bedrooms and two full baths provide flexibility for family, guests, or a home office. Step outside to enjoy the covered patio and spacious backyard, ideal for outdoor gatherings, grilling, or simply relaxing in a peaceful setting. Living in Eagle Harbor means enjoying one of Northeast Florida's premier master-planned communities, featuring championship golf, multiple pools

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $759

Insurance (est.): $330

Estimated Total Monthly

$3,612

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,524

Property taxesest. at asking price, Clay County$759

HOAbilled annually$5

Estimated total, before insurance$3,287/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,251/yr · $354/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): $4,251/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1993)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,459 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 6, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$227

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,178

Acres0.29 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address1972 Woodlake Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size12,632.4 sq ft

Parcel Number32042602126200237

Amenities

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

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryIn Unit