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Active Under Contract

Active Under Contract·42 days on market

1634 Highland View Court

Fleming Island, FL 32003

$395,000$232/sqftEst. $2,092/moMLS# 2159714
$4,000 below original list
3
Beds
2
Baths
1,701
Sq Ft
1999
Built
2
Garage
No
Pool
FEMA Zone XHOA $5/mo6,534 sqft lotSingle Family Residence1 story

About this home

Fleming Island

GOLF COURSE living in Eagle Harbor - Under $400K! Welcome to 1634 Highland View Ct, a beautifully situated home overlooking the #9 fairway of Eagle Harbor Golf Course. This inviting home features an open floor plan designed for easy everyday living and effortless entertaining. Inside, you'll find quarts countertops, luxury vinyl plank flooring throughout, and an open-concept layout that creates a comfortable flow from room to room. Step outside to the covered lanai, where you can relax and enjoy peaceful golf-course views. The location is hard to beat! The home is just a short walk to the soccer fields and Fleming Island Elementary, making it convenient for families and those who enjoy an active lifestyle. A major bonus for buyers: With an acceptable offer, the seller will replace the roof prior to closing, providing added peace of mind and value. Come experience the combination of golf-course views, functional living space, and an unbeatable Fleming Island location.

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$2,092
Property taxesest. at asking price, Clay County$605
HOAbilled annually$5
Estimated total, before insurance$2,702/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,459/yr · $455/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

$395,000
$79,000
Loan Term
Monthly Payment
$2,092
Principal & Interest: $2,092
Property taxes (est.): $605
Insurance (est.): $263
Estimated Total Monthly
$2,960
*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 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: ~1,682 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): $5,459/yr

Estimated taxes if purchased at asking price: ~$7,300/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 20, 2026Active Under Contract$395,000
  • Sep 10, 2026Price change$395,000$4,000
  • Aug 12, 2026Listed$399,000

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

Features

Price$395,000
Price / Sq Ft$232
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,701
Acres0.15 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryFleming Island
MiddleLakeside
HighFleming Island

Community Information

Address1634 Highland View Court, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size6,534 sq ft
Parcel Number29042602126201844

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage
ViewGolf Course

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Microwave
HeatingCentral
CoolingCentral Air
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionDead End Street, On Golf Course
Patio / PorchCovered, Rear Porch
FencingBack Yard
RoofShingle

Additional Information

Date ListedAugust 12, 2026
Days on Market39
HOA Fees$60 / Annually
HOA FrequencyAnnually
Tax Amount$5,458.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC · jeffsherman@yahoo.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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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