Active·7 days on market
1734 Cross Pines Drive
Fleming Island, FL 32003
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fleming Island
This Pine Lake at Eagle Harbor townhome has been well cared for, and it shows. It's vacant, professionally cleaned, and staged. The floor plan offers 2 bedrooms, 2 baths, and a home office behind French doors, with wood and tile flooring throughout and no carpet anywhere. The kitchen has a breakfast bar, granite counters, stainless steel appliances, 42-inch cabinets, and a tiled backsplash, and opens to the living and dining area. Inside laundry, an attached 1-car garage, and a screened patio round it out. HOA dues cover grounds maintenance, pest control, and trash. Eagle Harbor amenities include a clubhouse, pools, tennis, playgrounds, walking trails, docks, and so much more. The home is zoned for Fleming Island Elementary, Lakeside Junior High, and Fleming Island High School, which earned an A from the Florida Department of Education for 2024-25 and is about 1.5 miles away; buyer to verify school zoning. Baptist Medical Center
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 A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2003)
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: ~1,766 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): $2,837/yr
Estimated taxes if purchased at asking price: ~$6,000/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 10, 2026Listed$325,000
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 $243/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2309 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $254,000 | $224 | 2/2 | 1,132 | 0 | 0.1 |
| 1836 Winter Pines Court, Fleming Island, FL 32003Listed by WATSON REALTY CORP | Oct 2026 | $280,000 | $209 | 3/2 | 1,340 | 10 | 0.2 |
| 2367 Old Pine Trail, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $315,000 | $235 | 3/2 | 1,340 | 9 | 0.2 |
| 2415 Old Pine Trail, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $300,000 | $186 | 3/2.5 | 1,615 | 0 | 0.2 |
| 2382 Old Pine Trail, Fleming Island, FL 32003Listed by FLATFLEE.COM INC | Mar 2026 | $255,000 | $225 | 2/2 | 1,132 | 21 | 0.2 |
| 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 | 0.4 |
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: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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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