Sold·Closed Sep 9, 2026·159 days on market
1317 South Shore Drive
Fleming Island, FL 32003
About this home
Fleming Island
Discover the epitome of luxury waterfront living at 1317 South Shore Drive in the heart of Fleming Island. This stunning estate, meticulously gutted and completely renovated between 2025 and 2026 with high-end construction quality and exquisite finishes, offers an unparalleled blend of modern elegance and serene natural beauty. Nestled on a sprawling 1.71-acre lot with 100 feet of pristine water frontage along Doctors Lake, this property boasts breathtaking, unobstructed views that capture the essence of Florida's coastal charm. Step outside to your private oasis, featuring a sparkling pool, summer kitchen, a large balcony overlooking it all, and a dock with boathouse; ideal for boating enthusiasts or simply savoring sunsets over the water. Inside, the expansive 3,977 square feet of living space is designed for both comfort and sophistication. The open-concept layout includes 5 spacious bedrooms, plus a dedicated office and versatile flex rooms to suit your lifestyle needs.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1977)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,428 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.
Cost to own
Taxes & assessment
Last sold: $925,000 in May 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $992,141 | $992,141 | — |
| 2024 | $988,683 | $988,683 | — |
| 2023 | $682,859 | $263,346 | — |
| 2022 | $634,825 | $554,361 | — |
| 2021 | $586,759 | $536,759 | — |
| 2020 | $499,732 | $449,732 | — |
2025 property taxes (current owner): $15,490/yr
Estimated taxes if purchased at asking price: ~$33,900/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.
History
Price & status history
- Sep 9, 2026Closed$1,999,000
- Aug 19, 2026Active Under Contract$1,999,000
- Mar 13, 2026Listed$1,999,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $252/sq ft; this home is listed at $503/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1580 Sandy Springs Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $935,000 | $254 | 4/3.5 | 3,674 | 2 | 0.1 |
| 1924 Holmes Circle, Fleming Island, FL 32003Listed by RE/MAX SPECIALISTS | Jun 2025 | $1,100,000 | $323 | 5/4 | 3,401 | 318 | 0.1 |
| 1943 Rose Mallow Lane, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $1,125,000 | $240 | 5/4.5 | 4,696 | 88 | 0.6 |
| 1907 Rose Mallow Lane, Fleming Island, FL 32003Listed by WATSON REALTY CORP | Aug 2026 | $790,000 | $252 | 4/3.5 | 3,137 | 2 | 0.6 |
| 1730 Walton Lake Court, Fleming Island, FL 32003Listed by HERRON REAL ESTATE LLC | Aug 2026 | $575,000 | $189 | 5/3.5 | 3,047 | 64 | 0.7 |
| 1588 Rivertrace Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $645,000 | $202 | 5/4 | 3,199 | 5 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 9, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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