Active·69 days on market
10814 Morningside Lane
Glen St. Mary, FL 32040
About this home
Glen St. Mary
Featuring a brand-new roof and HVAC system, this move-in-ready home offers peace of mind along with exceptional value. Welcome to 10814 Morningside Lane in Glen St. Mary! This beautifully renovated 2,552-square-foot home offers 5 bedrooms, 3.5 bathrooms, and sits on a spacious 1-acre lot. Built in 2009, the home features a first-floor primary suite with a brand-new 2025 walk-in bathtub and separate walk-in shower, updated LVP and tile flooring, and a renovated kitchen with stainless steel appliances, crown molding, and custom trim throughout. Outside, enjoy an above-ground pool with a refinished deck, detached single-car garage, a finished shed with electrical hookups and a 4-person spa, landscape irrigation serving the flower beds and pool area, AND a 50-AMP RV hookup! Conveniently located just minutes from I-10 and Baker County schools, this property offers the perfect combination of modern updates, outdoor living, and privacy!
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 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2009)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,626 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 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
2025 property taxes (current owner): $2,429/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. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Sep 9, 2026Price change$525,000−$20,000
- Aug 24, 2026Price change$545,000−$15,000
- Aug 12, 2026Price change$560,000−$5,000
- Jul 24, 2026Price change$565,000+$40,000
- Jul 15, 2026Price change$525,000−$40,000
- Jul 15, 2026Active$565,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LPT REALTY, LLC · carsynrgriffis@gmail.com
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
Similar homes in Glen St. Mary
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines