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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 28, 2026·215 days on market

6433 River Point Drive

Fleming Island, FL 32003

$685,000sold priceListed at $750,000 · 91.3% of asking$256/sqftMLS# 2111951
4
Beds
3
Baths
2,676
Sq Ft
1978
Built
2.5
Garage
Yes
Pool
No HOA0.54 acresWaterfrontSingle Family Residence1 story

About this home

Fleming Island

Enjoy your ultimate Florida lifestyle on the water in this remodeled 4 Bed/3 Bath single-story home with 100-ft of Waterfrontage, Lifetime Vinyl Bulkhead, 10,000-lb Boat Lift, 2 Jet-Ski Docks, Heated Saltwater Pool w/ Spa & Waterfall, PLUS an Outdoor Kitchen! Very unique pull-thru 2.5-car garage w/ updated Epoxy Floor (2025) + RV parking connections (50amp + H2O). Golf Course Zoysia Grass, Programmable Sprinkler, Fresh Paint Outside & Inside (2024/25), Custom Kitchen Cabinets w/ Granite countertops & Energy Star Appliances, Updated AC & Tankless Water Heaters (2024/25) + New Roof (2021)! OPEN CONCEPT DESIGN seamlessly blends indoor & outdoor living! Surrounding Windows & Sliding Glass Doors (w/ Integrated Blinds) flood the space with natural light & offer breathtaking views of the water, with Manatees making regular appearances. NO HOA OR CDD FEES! Live the waterfront lifestyle you've always dreamed of in this 1/2 Acre Beautiful & Private Canal-front Home off the St. John's River!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,794
Property taxesest. at asking price, Clay County$1,050
Estimated total, before insurance$4,844/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,891/yr · $408/mo
  • • 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

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $1,050
Insurance (est.): $457
Estimated Total Monthly
$5,301
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,748 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 home

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$432,908$0—
2024$432,968$291,558—
2023$430,406$281,610—
2022$402,405$271,952—
2021$378,061$262,575—
2020$374,852$258,260—

2024 property taxes (current owner): $4,891/yr

Estimated taxes if purchased at asking price: ~$12,600/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 (2025), NEFMLS.

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 $202/sq ft; this home is listed at $280/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2304 Emilys Way, Fleming Island, FL 32003Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$603,000$2454/32,460570.2
5950 W Shores Road, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$575,000$2024/32,844480.6
1755 Eagle Crest Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$580,000$1934/3.53,00850.7
408 Harvest Bend Drive, Fleming Island, FL 32003Listed by KELLER WILLIAMS ST JOHNSOct 2026$439,990$2313/21,90770.8
2140 Eagle Talon Circle, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$440,000$1643/2.52,685460.9
1832 Chatham Village Drive, Fleming Island, FL 32003Listed by CAMELLIA REAL ESTATE LLCSep 2026$459,900$1843/32,5001351.1

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

Price$750,000
Price / Sq Ft$280
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,676
Acres0.54 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2.5
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Fenced, Heated, Salt Water, Waterfall
Is WaterfrontYes

School Information

ElementaryPaterson
MiddleGreen Cove Springs

Community Information

Address6433 River Point Drive, Fleming Island, FL 32003
Area123-Fleming Island-SE
SubdivisionFleming Oaks
CityFleming Island
CountyClay
StateFL
Zip Code32003
Lot Size23,522.4 sq ft
Parcel Number37052601462900000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Circular Driveway, Garage, Garage Door Opener, RV Access/Parking
ViewCanal, Pool, River, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air, Multi Units
FlooringCarpet, Tile, Vinyl, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesBoat Lift, Outdoor Kitchen
Lot DescriptionSprinklers In Front
Patio / PorchAwning(s), Covered, Deck, Front Porch, Rear Porch
FencingFenced, Back Yard, Chain Link, Privacy, Vinyl
RoofShingle
ConstructionBrick, Concrete, Fiber Cement, Frame, Wood Siding
Other StructuresBoat House, Outdoor Kitchen, Shed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedApril 7, 2026
Days on Market215
Tax Amount$4,891.4
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: INI REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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