Eagle Creek at Eagle Harbor

2489 COUNTRY SIDE Dr

Fleming Island, FL 32003
For Sale $639,900
4 bd · 4 ba · 4,236 sqft · Built 2006
Bryce Spraggins — The HOA Collective
Schedule a Showing

Pick a time that works and it's booked — no phone tag.

Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of WATSON REALTY CORP (nancywatson@watsonrealtycorp.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Nestled on a rare preserve lot in the highly sought-after Black Creek at Eagle Harbor, this impeccably maintained 4-bedroom, 3.5-bath residence offers the ideal blend of comfort, elegance and location. Just a short walk to A-rated Thunderbolt Elementary and Fleming Island High School, and minutes from the new Baptist Clay Medical Ctr, shopping, dining and everyday conveniences. This move-in-ready home features a roof less than 5 years old, beautiful flooring and SS appliances. The spacious 1st floor primary suite offers dual walk-in closets complemented by an adjoining flex room, perfect for home office, nursery or private retreat. A generous bonus room provides add'l space for a media room, playroom or home gym. Upstairs, 3 spacious BR's and 2 full baths offer comfort for family and guests. Enjoy Eagle Harbor's amenities, including 3 resort-style pools, tennis, pickleball, basketball courts, soccer fields, playgrounds, community docks on Black Creek and the Eagle Harbor Golf Club.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $22,397
$5,610/mo
Principal & interest$4,038
Property tax (est.)$647
Insurance (est.)$480
FHA MIP$283
HOA dues$10
CDD assessment$152
Cash to close: ~$22,397 down · MIP financed
VA
$0 down
$5,490/mo
Principal & interest$4,201
Property tax (est.)$647
Insurance (est.)$480
VA fee (financed)$0
HOA dues$10
CDD assessment$152
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $127,980
$4,579/mo
Principal & interest$3,290
Property tax (est.)$647
Insurance (est.)$480
PMI$0
HOA dues$10
CDD assessment$152
Cash to close: ~$127,980 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.57% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2006
Heated area3,464 sq ft
Lot size10,360 sq ft
SubdivisionEAGLE CREEK EAGLE HARB
Parcel (RE#)07-05-26-014264-003-12
Legal descriptionLOT 112 EAGLE CREEK @ EAGLE HA

Valuation · 2025

Value

Just / Market
$650,000
Assessed
$288,668
Taxable
$237,946
2025 Property Tax
$3,743
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$120 / Annually
CDD Assessment
$1,819 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

No recorded sale history is on file for this property.

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Clay Electric Cooperative
💧 Water
Clay County Utility Authority
🚽 Sewer
Clay County Utility Authority

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Eagle Creek at Eagle Harbor? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Eagle Creek at Eagle Harbor every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

Don't want to list? Get a cash offer from My Fair Market Offer.

My Fair Market Offer is our sister company and a direct cash home buyer in Jacksonville and NE Florida. Sell as-is with no repairs, no showings and no commission — useful if you need to close on a date certain. Same owner, same phone, no obligation either way.

Get a Cash Offer myfairmarketoffer.com

Community Records

Eagle Creek at Eagle Harbor Documents

On the Market

Homes for Sale in Eagle Creek at Eagle Harbor

Other active MLS listings in Eagle Creek at Eagle Harbor.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 2489 COUNTRY SIDE Dr?
The zoned public schools for 2489 COUNTRY SIDE Dr in Eagle Creek at Eagle Harbor are Thunderbolt Elementary School (elementary), Lakeside Junior High School (middle), Fleming Island High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 2489 COUNTRY SIDE Dr?
The most recent annual property tax for 2489 COUNTRY SIDE Dr is about $3,743 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 2489 COUNTRY SIDE Dr have a CDD fee?
Yes. 2489 COUNTRY SIDE Dr is in Eagle Creek at Eagle Harbor, a Community Development District (CDD) with an assessment of approximately $1,819 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 2489 COUNTRY SIDE Dr?
Homes in Eagle Creek at Eagle Harbor have an HOA fee of about $120 per year (based on recent MLS listings).
How big is 2489 COUNTRY SIDE Dr?
2489 COUNTRY SIDE Dr is a 3,464 sq ft home built in 2006 in Eagle Creek at Eagle Harbor, Clay County, FL.
What would the monthly payment be on 2489 COUNTRY SIDE Dr?
At about a 6.66% 30-year rate, the estimated monthly payment for 2489 COUNTRY SIDE Dr is roughly $4,579 with a conventional loan (20% down), $5,610 with FHA (3.5% down), or $5,490 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Eagle Creek at Eagle Harbor HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the Clay County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.