Active·10 days on market
2418 Old Pine Trail
Fleming Island, FL 32003
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fleming Island
3-bedroom, 2-bath townhome in Pine Lake at Eagle Harbor offering 1,340 square feet, a split-bedroom floorplan, 1-car garage, and fully fenced backyard. Recent updates include new LVP flooring throughout the main living areas in 2026, HVAC replaced in 2023, and roof replaced in 2021. The functional layout offers comfortable living space with added privacy between the primary and secondary bedrooms. Located in the established Eagle Harbor community, residents enjoy access to multiple pools, parks, tennis and pickleball courts, walking and biking paths, and the Eagle Harbor Golf Club and restaurant. Conveniently located in Fleming Island near shopping, dining, medical facilities, US-17, and zoned for A-rated schools.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2021 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: ~1,729 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 homeAs of October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 22 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 5 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 2 mi · Doctors Lake
Closest youth league fields
Switzerland Point Parkabout 5 mi · Baseball, Football, Lacrosse, Softball, Track
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,959/yr
Estimated taxes if purchased at asking price: ~$5,500/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
- Oct 7, 2026Listed$300,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $224/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2415 Old Pine Trail, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $300,000 | $186 | 3/2.5 | 1,615 | 0 | 0 |
| 2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $315,000 | $235 | 3/2 | 1,340 | 9 | 0.1 |
| 2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INC | Mar 2026 | $255,000 | $225 | 2/2 | 1,132 | 21 | 0.1 |
| 1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORP | Oct 2026 | $280,000 | $209 | 3/2 | 1,340 | 10 | 0.2 |
| 2309 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $254,000 | $224 | 2/2 | 1,132 | 0 | 0.3 |
| 1717 County Road 220 1705, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $140,000 | $127 | 2/2 | 1,104 | 112 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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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Krista Fracke
Broker Associate
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