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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·13 days on market

2144 Arden Forest Place

Fleming Island, FL 32003

$529,900$212/sqftEst. $2,806/moMLS# 2164030
4
Beds
3
Baths
2,498
Sq Ft
2018
Built
3
Garage
No
Pool
FEMA Zone XHOA $5/mo6,534 sqft lotSingle Family Residence1 story

About this home

Fleming Island

This beautiful home is located in a desirable neighborhood of Eagle Harbor Community with great Amenities. Walk to restaurants, Fleming Island High School, Movies and much more. It boasts of 10 foot ceilings, wood look tile through out the home. A private three way split for the four bedrooms and 3 complete baths. The primary bath has a spa like tub, large walk in shower, dual vanities, and two custom walk in closets. The entrance way comes to the large Family Gathering area with area for dining, built in bookcases, gorgeous electric fireplace. Family area is open to the well laid out kitchen that has an island, double oven, microwave above coffee bar area, all stainless steel appliances, the Fridge and dishwasher are new. Granite counters, walk in pantry with wood shelving. Inside Laundry, three car garage with attic access by pull down stairs. Step outside on your screened lanai for coffee and out back on your pavers for cook outs . Come see before it is snapped up!!

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$2,806
Property taxesest. at asking price, Clay County$812
HOAbilled annually$5
Estimated total, before insurance$3,623/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,617/yr · $801/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

$529,900
$105,980
Loan Term
Monthly Payment
$2,806
Principal & Interest: $2,806
Property taxes (est.): $812
Insurance (est.): $353
Estimated Total Monthly
$3,971
*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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,688 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

YearMarket valueTaxable valueChange
2025$465,977$465,977
2024$458,559$458,559
2023$448,583$423,210
2022$384,737$384,737
2021$313,583$249,614
2020$302,399$245,478

2025 property taxes (current owner): $9,617/yr

Estimated taxes if purchased at asking price: ~$9,700/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 (2025), NEFMLS.

History

Price & status history

  • Sep 9, 2026Listed$529,900

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

Features

Price$529,900
Price / Sq Ft$212
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,498
Acres0.15 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryThunderbolt
MiddleGreen Cove Springs
HighFleming Island

Community Information

Address2144 Arden Forest Place, Fleming Island, FL 32003
Area124-Fleming Island-SW
SubdivisionEagle Nest Preserve
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size6,534 sq ft
Parcel Number05052601419002684
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Management - Off Site, Park, Playground, Tennis Court(s), Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
SecurityFire Alarm, Smoke Detector(s)

Exterior

Patio / PorchScreened
FencingFenced, Back Yard, Privacy, Vinyl
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedSeptember 9, 2026
Days on Market12
HOA Fees$55 / Annually
HOA FrequencyAnnually
Tax Amount$9,616.66
Tax Year2025
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP · robertwoods@watsonrealtycorp.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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