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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·42 days on market

795 Eagle Cove Drive

Fleming Island, FL 32003

$569,900$213/sqftEst. $3,018/moMLS# 2159499
↓ $15,100 below original list
3
Beds
2.5
Baths
2,674
Sq Ft
2010
Built
2
Garage
No
Pool
FEMA Zone XHOA $5/mo8,712 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Don't miss this custom built newer Eagle Harbor stunner, minutes from US 17 and all that Fleming Island has to offer! Home is 3 bedroom 2.5 bath one story stucco, built by Rosewood Homes in 2010. Split bedroom open floorpan includes a sitting room/den/office, formal dining room, eat-in kitchen with dining as well as large living room. Two bedrooms and bath are on one side and the primary bedroom, large bath with separate vanities and huge walk-in closet are on the other. A third guest bathroom and convenient laundry room round out the spaciousness. A screened porch has views to the relaxing pond. Totally new premium wood-look porcelain tile floors were installed in 2023. A complete exterior professional painting was completed in 2025 and a new architectural shingle roof was added this year. Custom plantation shutters, and window treatments round out the upscale decorating of this home. Garage floor has been commercially coated.Measurements are Appox listing agent is related to seller

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$3,018
Property taxesest. at asking price, Clay County$873
HOAbilled annually$5
Estimated total, before insurance$3,896/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,662/yr · $472/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$569,900
$113,980
Loan Term
Monthly Payment
$3,018
Principal & Interest: $3,018
Property taxes (est.): $873
Insurance (est.): $380
Estimated Total Monthly
$4,271
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2010)

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: ~1,737 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,662/yr

Estimated taxes if purchased at asking price: ~$10,500/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

  • Sep 15, 2026Price change$569,900−$15,100
  • Aug 11, 2026Active$585,000
  • Aug 10, 2026Listed$585,000

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

Features

Price$569,900
Price / Sq Ft$213
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,674
Acres0.20 acres
Year Built2010
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryPaterson
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address795 Eagle Cove Drive, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size8,712 sq ft
Parcel Number04052601417601033
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Playground, RV/Boat Storage, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage Door Opener
ViewPond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Lot DescriptionDead End Street
Patio / PorchPorch, Rear Porch, Screened
RoofShingle
ConstructionStucco
Road SurfaceConcrete
Road FrontageCity Street

Additional Information

Date ListedAugust 11, 2026
Days on Market35
HOA Fees$55 / Annually
HOA FrequencyAnnually
Tax Amount$5,661.91
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LISTING EXPERTS REALTY · Alan.Perryre@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 - Broker Associate

Krista Fracke

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20+ years · 500+ closings · NE Florida

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