2083 WATER CREST Drive, Fleming Island, FL, 32003 | $450,000

Let's be honest--most ''renovated'' homes don't look like this.

Welcome to a fully reimagined 3-bedroom, 2-bath home with a private office (or potential 4th bedroom) in the highly sought-after Eagle Harbor--designed for buyers who want modern, move-in ready living without the stress of ongoing projects or high maintenance.

From the moment you step inside, you'll feel the difference--natural light, a wide-open layout, and brand-new flooring that flows seamlessly throughout. Fresh interior paint and thoughtfully selected finishes create a clean, elevated look that still feels warm and livable.
The fully renovated kitchen is both stylish and functional, featuring sleek cabinetry, updated appliances, modern countertops, and a built-in pantry--perfect for everyday living or entertaining.

The primary suite offers a true retreat, complete with a spa-inspired bathroom featuring a freestanding soaking tub, walk-in glass shower, dual vanities, and calming finishes that instantly set the tone. Both bathrooms have been beautifully updated, and the dedicated office offers incredible flexibility--easily used as a home office, flex space, or even a 4th bedroom with the addition of an armoire, fitting seamlessly with the home's design style. Step outside to a spacious backyard and patio--ideal for relaxing evenings or hosting guests--plus a 2-car garage for added convenience. Major system updates are already done for you, including a roof replaced in 2026, newer HVAC, newer water heater, and updated irrigation system--making this an ideal low-maintenance option for first-time buyers, busy professionals, or those looking to downsize without sacrificing quality. It's Not Just the Home--It's the Lifestyle!!! Living in Eagle Harbor means access to resort-style amenities that truly set this community apart: Multiple pools + waterpark Tennis, pickleball & basketball courts Golf course + optional membership Walking & hiking trails Parks, playgrounds & community spaces Private docks with access to the St. Johns River On-site dining at Talons Restaurant All of this, just minutes from highly rated schools, shopping, and everyday conveniences. And even better--enjoy all of it with relatively low HOA and CDD fees, making the lifestyle both elevated and attainable. Financing Opportunities: This home may qualify for down payment assistance programs, making homeownership more accessible than many buyers realize. Buyers are encouraged to ask about preferred lender options, offering a wide range of loan products designed to: Help you stay in control of your money Potentially reduce long-term interest Create strategies to pay off your mortgage faster This isn't just a renovation--it's a smarter way to buy, live, and invest in your future. =Ì FHA financing eligible. FHA offers may be accepted on or after April 30, 2026.

Features

  • Amenities: Pool, Other, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), WaterSidewalks, Street Lights, Restaurant
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, In Unit, Washer Hookup
  • Style: Traditional
  • Year Built: 1995
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,823
  • Acreage: 0.2
  • Est. Taxes: $3,109
  • HOA Fee: $60 Annually
  • Appliances: Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator
  • MLS#: 2137929
  • Days on Market: 32 days
  • Website: https://www.raveis.com
    /prop/2137929/2083watercrestdrive_flemingisland_fl?source=qrflyer
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2083 WATER CREST Drive, Fleming Island, FL, 32003

$450,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $360,000 $360,000 $360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.373%
Monthly Tax Payment $259 $259 $259
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,158 $2,246 $2,940
Total Monthly Payment $2,492 $2,580 $3,274

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.