$750,000Sold4 bd · 4.5 ba · 4,279 sq ft
Sold·Closed Sep 21, 2026·123 days on market
2727 Shade Tree Drive
Fleming Island, FL 32003
About this home
Fleming Island
Experience refined living in this stunning custom-built 4-bedroom, 4.5-bath home in prestigious Eagle Harbor. Exceptional craftsmanship shines throughout, perfectly positioned on an oversized pond-view homesite. The gourmet kitchen offers generous counter space, a large island, breakfast bar, and seamless flow into the great room with fireplace--ideal for entertaining. Enjoy tranquil pond views from the screened porch, blending indoor and outdoor living. The main level features two private suites, including an in-law retreat with kitchenette, plus dual laundry rooms. Upstairs, find additional bedrooms and a spacious bonus room with wet bar for recreation or relaxation. Highlights include a 3.5-car garage, hidden safe room, and proximity to Eagle Harbor's sought-after amenities. Some photos may be virtually staged.
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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2007)
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: ~1,736 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 23 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 5 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 3 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 3 mi · Doctors Lake
Closest grocery store
Publixabout 7 mi · 450 State Road 13 N, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $763,728 | $473,106 | — |
| 2024 | $759,588 | $458,925 | — |
| 2023 | $710,809 | $443,957 | — |
| 2022 | $612,340 | $433,925 | — |
| 2021 | $540,533 | $419,816 | — |
| 2020 | $483,156 | $413,323 | — |
2025 property taxes (current owner): $7,377/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.
History
Price & status history
- Sep 22, 2026Closed$765,000
- Aug 15, 2026Pending$765,000
- Aug 13, 2026Price change$765,000−$15,000
- Jul 9, 2026Price change$780,000−$18,000
- Apr 13, 2026Listed$798,000
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 $215/sq ft; this home is listed at $175/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2533 Sunny Creek Drive, Fleming Island, FL 32003Listed by HOMESMART | Aug 2026 | $635,000 | $177 | 5/4.5 | 3,580 | 35 | 0.3 |
| 2659 Country Side Drive, Fleming Island, FL 32003Listed by MOMENTUM REALTY | Jun 2026 | $875,000 | $229 | 5/4.5 | 3,814 | 14 | 0.3 |
| 1831 Cross Green Way, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $680,000 | $215 | 4/3.5 | 3,165 | 127 | 0.4 |
| 2518 Country Side Drive, Fleming Island, FL 32003Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $695,000 | $186 | 5/3.5 | 3,727 | 20 | 0.4 |
| 2566 Ferntree Lane, Fleming Island, FL 32003Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | May 2026 | $864,500 | $218 | 5/4 | 3,964 | 4 | 0.4 |
| 2470 Country Side Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $530,000 | $169 | 4/3.5 | 3,136 | 90 | 0.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MARK SPAIN REAL ESTATE
Sold by: COWFORD REALTY & DESIGN LLC (buyer's brokerage)
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.
Keep looking
More homes in Cypress Creek
Under Contract2708 Shade Tree DriveFleming Island, FL 32003
4 bd · 3.5 ba · 3,145 sq ft
$899,000Est. $4,785/moWelcome to this custom built Poimboeuf home on a rare over ½-acre estate-sized lot in the sought-after Cypress Creek…
Listing Office: coldwell banker vanguard realty
For Sale905 Gavagan RoadJacksonville, FL 32233
3 bd · 2 ba · 1,424 sq ft
$395,000Est. $2,102/moWelcome to this well-located 3-bedroom, 2-bath home in the desirable Atlantic Beach/Mayport Property, offering…
Listing Office: era oneteam realty
Keep looking
Similar homes in Fleming Island
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 21, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines