Active·106 days on market
686 Frederic Drive
Fleming Island, FL 32003
About this home
Fleming Island
Discover luxury riverside living in this beautifully renovated 4-bedroom, 2.5-bath home on the St. Johns River in desirable Fleming Island. Spanning approximately 3,478 square feet, this residence offers an open, airy floor plan bathed in natural light, with breathtaking river views framed by a large steel-reinforced window in the living room. Boating enthusiasts will love the expansive 600-foot dock providing direct river access for effortless days on the water. Car collectors and hobbyists will appreciate the massive 5-car garage, which includes an air-conditioned section prepped for easy conversion into an in-law suite, workshop, or additional living space. The chef-inspired kitchen features modern finishes, generous counter space, and an ideal layout for entertaining family and friends. A practical, large mudroom handles everyday needs. The primary suite is a true retreat, complete with a spa-like ensuite bathroom. The lift in the garage does not convey.
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 | $1,035,323 | $606,755 | — |
| 2024 | $1,029,134 | $588,948 | — |
| 2023 | $893,700 | $570,338 | — |
| 2022 | $755,151 | $552,270 | — |
| 2021 | $712,687 | $534,729 | — |
| 2020 | $695,951 | $526,656 | — |
2024 property taxes (current owner): $9,356/yr
Estimated taxes if purchased at asking price: ~$34,800/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 1996)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,497 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
- Apr 20, 2026Listed$1,890,000
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: CENTURY 21 INTEGRA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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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