Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$494,000

1955 GUARDED Way, Fleming Island, FL 32003

Eagle Harbor

Price
$494,000
Beds / Baths
4 / 2
Living area
2,303 sqft
Year built
1999
Type
Residential
Lot
Garage
2
HOA
$5/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
40

Beautifully updated 4BR/2BA home situated on a quiet cul-de-sac in the highly sought-after Eagle Harbor community! This move-in-ready home offers the perfect blend of comfort, style, and functionality. The completely remodeled kitchen features gorgeous countertops, additional cabinetry, abundant counter space, and is ideal for everyday living and entertaining. Spacious living areas showcase new luxury vinyl plank flooring, creating a warm, modern feel throughout. Recent updates include several replaced windows, a new patio door, and a brand-new water heater. Enjoy Florida living on the oversized screened lanai overlooking a large backyard that is almost fully fenced, offering privacy and plenty of room for children and pets. The patio was replaced in 2018. Residents enjoy Eagle Harbor's resort-style amenities, including pools, tennis, golf, parks, trails, and more!

What to check on this one

  • Verify roof age and get 4-point inspection; home is 25 years old.
  • Confirm flood zone designation and obtain elevation certificate if in AE/VE.
  • Request CDD bond payoff amount and remaining assessment schedule.
  • Review Eagle Harbor HOA docs: CC&Rs, rental restrictions, reserve study.
  • Inspect plumbing type; 1999 build may have polybutylene—document condition.
  • Verify water heater installation date and get maintenance records.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,563/mo
Property tax (1.1% eff., Clay Co.)$453/mo
Homeowners insurance (est.)$292/mo
HOA$5/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,480/mo

Loan $395,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 20, 2026, 4:16 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.