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Pending

Pending·18 days on market

1644 Players Club Drive

Fleming Island, FL 32003

$424,900$243/sqftEst. $2,250/moMLS# 2163599

Beds

Baths

1,751

Sq Ft

1997

Built

Garage

Pool

HOA $5/mo6,534 sqft lotWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Private, amenity-rich, and conveniently located. 1644 Players Club Drive, a rare opportunity to own a beautifully maintained 3BR, 2BA home in Players Club Villas within the highly desirable Eagle Harbor community of Fleming Island. This 1,751 SQFT home offers exceptional privacy on a cul-de-sac with limited neighboring homes, backing to a pond and overlooking the golf course cart path near the 18th hole and clubhouse. This home features 10-foot ceilings throughout, hardwood floors, an electric fireplace, and an additional living space perfect for entertaining. The kitchen was remodeled approximately 12yrs ago, and the primary bath approximately 9yrs ago. Additional highlights include a laundry room with wash sink, two mounted TVs that convey, a professionally installed generator transfer switch panel, Shark-coated driveway, new garage door opener, a new HVAC system installed in 2025, a new water heater installed 2026 and new microwave installed in 2026. The roof was replaced in 2016.

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$2,250

Property taxesest. at asking price, Clay County$651

HOAbilled annually$5

Estimated total, before insurance$2,906/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,924/yr · $160/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

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,250

Principal & Interest: $2,250

Property taxes (est.): $651

Insurance (est.): $283

Estimated Total Monthly

$3,185

*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.

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 — 2016 per the listing

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

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: ~1,395 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,924/yr

Estimated taxes if purchased at asking price: ~$7,800/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 6, 2026Pending$424,900
Sep 4, 2026Listed$424,900

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

Features

Price$424,900

Price / Sq Ft$243

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,751

Acres0.15 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryFleming Island

MiddleLakeside

HighFleming Island

Community Information

Address1644 Players Club Drive, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size6,534 sq ft

Parcel Number32042602126201510

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

Community FeaturesSidewalks, Fishing, Restaurant

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewGolf Course, Pond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air

FlooringCarpet, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundrySink

Exterior

Lot DescriptionCul-De-Sac

Patio / PorchCovered, Deck, Patio, Porch, Screened

RoofShingle

ConstructionConcrete, Stucco

Other StructuresShed(s)

Additional Information

Date ListedSeptember 4, 2026

Days on Market3

HOA Fees$60 / Annually

HOA FrequencyAnnually

Tax Amount$1,924.48

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE · taryntorregrosa@kw.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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