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Active

Active·25 days on market

1518 Tidewater Court

Fleming Island, FL 32003

$600,000$216/sqftEst. $3,177/moMLS# 2161139
4
Beds
4
Baths
2,779
Sq Ft
2001
Built
3
Garage
No
Pool
FEMA Zone XHOA $5/moWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Spacious, bright, 2,779-SF pond-front home on a cul-de-sac in desirable Eagle Harbor! This flexible floor plan offers 4 bedrooms--or 3 bedrooms plus an office--plus a bonus room with its own bath, and 4 beautifully renovated bathrooms. The sellers have been thoughtfully updating the home, with flooring next on their list. Since they are moving, they are offering a flooring allowance with an acceptable offer so the new owners can select their own style. The kitchen features 42-inch cabinetry, newer appliances, and a brand-new range with convection, air-fryer, pizza, and easy-clean settings. Additional highlights include a 2017 roof, newer water heater, extended 3-car garage, and floored attic storage. Upstairs Bonus room has great view of the pond. Enjoy Eagle Harbor's multiple pool facilities, tennis, pickleball, playgrounds, parks, basketball courts, and lakeside docks. Shopping, gas, restaurants, and more just ourside the neighborhood. Professional photos coming soon!

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$3,177
Property taxesest. at asking price, Clay County$919
HOAbilled annually$5
Estimated total, before insurance$4,102/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$600,000
$120,000
Loan Term
Monthly Payment
$3,177
Principal & Interest: $3,177
Property taxes (est.): $920
Insurance (est.): $400
Estimated Total Monthly
$4,497
*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 — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · Clay County Utilities

County records show this parcel on central sewer served by Clay County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,520 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.

History

Price & status history

  • Aug 28, 2026Active$600,000
  • Aug 20, 2026Listed$600,000

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

Features

Price$600,000
Price / Sq Ft$216
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,779
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address1518 Tidewater Court, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionRivertrace
CityFleming Island
CountyClay
StateFL
Zip Code32003
Parcel Number300426-021262-031-19

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Children's Pool, Clubhouse, Golf Course, Maintenance Grounds, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)
Community FeaturesSidewalks, Restaurant, Curbs
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Electric Range
HeatingCentral, Electric, Heat Pump, Zoned
CoolingCentral Air, Zoned
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedAugust 28, 2026
Days on Market24
HOA Fees$60 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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

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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