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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·13 days on market

1876 Lake Forest Lane

Fleming Island, FL 32003

$415,000$240/sqftEst. $2,198/moMLS# 2163738
3
Beds
2
Baths
1,728
Sq Ft
2000
Built
2
Garage
No
Pool
FEMA Zone XHOA $5/mo7,405 sqft lotSingle Family Residence1 story

About this home

Fleming Island

Welcome to effortless Florida living in highly sought-after Eagle Harbor! This beautifully updated home offers a perfect blend of style, comfort, and indoor-outdoor living, all situated on a large, desirable corner lot. Step inside to a thoughtfully refreshed interior featuring modern updates, stylish finishes, and inviting living spaces designed for both everyday living and entertaining. Natural light enhances the open, welcoming feel throughout the home. Extend your living space outdoors to the screened porch--perfect for morning coffee, relaxing evenings, or gathering with friends and family. The spacious corner lot provides additional outdoor space and curb appeal. Enjoy the exceptional Eagle Harbor lifestyle with resort-style pools, golf, tennis, pickleball, parks, playgrounds, clubhouse, and waterfront amenities. Move-in ready and ideally located, this home offers updated living, abundant outdoor space, and access to one of Florida's premier amenity-rich communities.

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$2,198
Property taxesest. at asking price, Clay County$636
HOAbilled annually$5
Estimated total, before insurance$2,839/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,576/yr · $465/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

$415,000
$83,000
Loan Term
Monthly Payment
$2,198
Principal & Interest: $2,198
Property taxes (est.): $636
Insurance (est.): $277
Estimated Total Monthly
$3,110
*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 2000)

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: ~1,668 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 September 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): $5,576/yr

Estimated taxes if purchased at asking price: ~$7,600/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 9, 2026Active$415,000
  • Aug 18, 2026Listed$415,000

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

Features

Price$415,000
Price / Sq Ft$240
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,728
Acres0.17 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryFleming Island
MiddleLakeside
HighFleming Island

Community Information

Address1876 Lake Forest Lane, Fleming Island, FL 32003
Area122-Fleming Island-NW
SubdivisionEagle Harbor
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size7,405.2 sq ft
Parcel Number31042602126202590
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Management- On Site, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms
AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl, Wood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionComposition Siding, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 9, 2026
Days on Market11
HOA Fees$60 / Annually
HOA FrequencyAnnually
Tax Amount$5,576.33
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY · glenhamilton@cbvfl.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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