Pine Lake

1734 CROSS PINES Dr

Fleming Island, FL 32003
For Sale $325,000
2 bd · 2 ba · 1,340 sqft · Built 2003
Bryce Spraggins — The HOA Collective
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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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (angela.tharp@cirefc.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

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

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 · $11,375
$3,218/mo
Principal & interest$2,192
Property tax (est.)$338
Insurance (est.)$244
FHA MIP$144
HOA dues$180
CDD assessment$121
Cash to close: ~$11,375 down · MIP financed
VA
$0 down
$3,163/mo
Principal & interest$2,281
Property tax (est.)$338
Insurance (est.)$244
VA fee (financed)$0
HOA dues$180
CDD assessment$121
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $65,000
$2,669/mo
Principal & interest$1,786
Property tax (est.)$338
Insurance (est.)$244
PMI$0
HOA dues$180
CDD assessment$121
Cash to close: ~$65,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.79% 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 built2003
Heated area1,340 sq ft
Lot size4,831 sq ft
SubdivisionPINE LAKE U
Parcel (RE#)05-05-26-014221-040-28
Legal descriptionLOT 33-A PINE LAKE U-1 AS REC

Valuation · 2025

Value

Just / Market
$325,000
Assessed
$112,263
Taxable
$56,541
2025 Property Tax
$1,012
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
$180 / Monthly
CDD Assessment
$1,455 / 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 Pine Lake? 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 Pine Lake 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.
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On the Market

Homes for Sale in Pine Lake

Other active MLS listings in Pine Lake.

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 1734 CROSS PINES Dr?
The zoned public schools for 1734 CROSS PINES Dr in Pine Lake 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 1734 CROSS PINES Dr?
The most recent annual property tax for 1734 CROSS PINES Dr is about $1,012 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 1734 CROSS PINES Dr have a CDD fee?
Yes. 1734 CROSS PINES Dr is in Pine Lake, a Community Development District (CDD) with an assessment of approximately $1,455 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 1734 CROSS PINES Dr?
Homes in Pine Lake have an HOA fee of about $180 per month (based on recent MLS listings).
How big is 1734 CROSS PINES Dr?
1734 CROSS PINES Dr is a 1,340 sq ft home built in 2003 in Pine Lake, Clay County, FL.
What would the monthly payment be on 1734 CROSS PINES Dr?
At about a 7.32% 30-year rate, the estimated monthly payment for 1734 CROSS PINES Dr is roughly $2,669 with a conventional loan (20% down), $3,218 with FHA (3.5% down), or $3,163 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Pine Lake 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.