Active Under Contract·7 days on market
1850 Waterbury Lane
Fleming Island, FL 32003
About this home
Fleming Island
Welcome to 1850 Waterbury Lane, a beautiful four-bedroom, two-and-a-half-bath waterfront home located in the heart of Fleming Island. Offering 2,345 square feet of thoughtfully designed living space, this home combines comfort, functionality, and scenic water views. The spacious floor plan is filled with natural light and designed for both everyday living and entertaining. The kitchen flows seamlessly into the main living areas, creating an inviting space for gatherings. Generously sized bedrooms provide flexibility for family, guests, or a home office, while the primary suite serves as a peaceful retreat with relaxing waterfront views. Step outside to enjoy tranquil waterfront living--perfect for morning coffee, evening sunsets, or weekend entertaining. The backyard offers a serene setting to unwind and take in the beauty of the water.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $669,483 | $669,483 | — |
| 2024 | $569,157 | $323,523 | — |
| 2023 | $438,145 | $312,644 | — |
| 2022 | $405,207 | $302,082 | — |
| 2021 | $371,069 | $291,828 | — |
| 2020 | $365,856 | $287,109 | — |
2025 property taxes (current owner): $10,569/yr
Estimated taxes if purchased at asking price: ~$13,800/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.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,312 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, 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.
History
Price & status history
- Jul 20, 2026Active Under Contract$749,000
- Jul 20, 2026Pending$749,000
- Jul 8, 2026Price change$749,000−$50,000
- Jan 7, 2026Listed$799,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MILLER & COMPANY REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines