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Active

Active·41 days on market

2283 Lookout Landing

Fleming Island, FL 32003

$489,900$215/sqftEst. $2,594/moMLS# 2159832

↓ $10,100 below original list

Beds

Baths

2,282

Sq Ft

1999

Built

Garage

Pool

FEMA Zone XHOA $5/mo9,583 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Welcome to this beautifully updated 4/3 home in desirable Eagle Harbor. The bright open floor plan offers effortless flow for everyday living & entertaining, while the split-bedroom design provides privacy. The spacious kitchen features abundant cabinetry & and storage, flowing seamlessly into the main living areas. The primary suite offers dual vanities, garden tub & separate shower (and gun safe). Updates include a new roof, new HVAC, new fence, new LVP flooring & bedroom carpets, and fresh interior paint. Enjoy the screened lanai with tall ceilings overlooking the private backyard, perfect for relaxing with your morning coffee or entertaining. Cozy fireplace, attached 2-car garage and abundant natural light throughout. - an ideal setting for morning coffee, outdoor dining, entertaining, or simply relaxing in your own private space. The home is situated on a quiet cul-de-sac, adding to its appeal.

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$2,594

Property taxesest. at asking price, Clay County$751

HOAbilled annually$5

Estimated total, before insurance$3,350/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,185/yr · $599/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

Home Price

$489,900

Down Payment: 20%

$97,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,594

Principal & Interest: $2,594

Property taxes (est.): $751

Insurance (est.): $327

Estimated Total Monthly

$3,672

*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: ~1,704 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): $7,185/yr

Estimated taxes if purchased at asking price: ~$9,000/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

Aug 21, 2026Price change$489,900−$10,100
Aug 12, 2026Listed$500,000

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

Features

Price$489,900

Price / Sq Ft$215

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,282

Acres0.22 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address2283 Lookout Landing, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size9,583.2 sq ft

Parcel Number31042602126202814

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Golf Course, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac

Patio / PorchRear Porch, Screened

FencingFenced, Back Yard, Wood

RoofShingle

Additional Information

Date ListedAugust 13, 2026

Days on Market9

HOA Fees$60 / Annually

HOA FrequencyAnnually

Tax Amount$7,185.38

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HOVER GIRL PROPERTIES · leslie@hovergirlproperties.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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