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Active

Active·103 days on market

2727 Shade Tree Drive

Fleming Island, FL 32003

$780,000$182/sqftEst. $3,977/moMLS# 2139737

Beds

Baths

4,279

Sq Ft

2007

Built

Garage

Pool

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

Mortgage calculator

Home Price

$780,000

Down Payment: 20%

$156,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,977

Principal & Interest: $3,977

Property taxes (est.): $1,195

Insurance (est.): $520

Estimated Total Monthly

$5,692

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$3,977

Property taxesest. at asking price, Clay County$1,195

HOAbilled annually$10

Estimated total, before insurance$5,182/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,377/yr · $615/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).

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: ~$14,300/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 — 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 home

As 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 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.

Features

Price$780,000

Price / Sq Ft$182

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,279

Total Structure Area5,921 sq ft

Acres0.47 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryThunderbolt

MiddleGreen Cove Springs

HighFleming Island

Community Information

Address2727 Shade Tree Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionCypress Creek

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size20,473.2 sq ft

Parcel Number07052601426400484

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Boat Launch, Clubhouse, Golf Course, Jogging Path, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Upper Level, Washer Hookup