$499,0005 bd · 3.5 ba · 2,535 sq ft
Active·114 days on market
10814 Morningside Lane
Glen St. Mary, FL 32040
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Glen St. Mary
Ask about assumable VA loan with a 2.68% interest rate! Subject to buyer qualification and loan servicer approval. Featuring a 2026 BRAND NEW roof and HVAC system, this move-in-ready home offers peace of mind along with exceptional value. This 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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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, 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 park or preserve
Cecil Field Conservation Corridorabout 14 mi · 24.6 mi of trails
Closest kayak & paddleboard launch
Jennings State Forest – Powell Ford Paddling Accessabout 15 mi · Black Creek North Fork
Closest grocery store
Publixabout 18 mi · 11341 Normandy Blvd, Jacksonville
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.
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
- Oct 29, 2026Price change$499,000−$16,000
- Oct 13, 2026Price change$515,000−$5,000
- Sep 23, 2026Price change$520,000−$5,000
- 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.
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 $150/sq ft; this home is listed at $197/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11151 Fish Pond Lane, Glen St. Mary, FL 32040Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Jun 2026 | $490,000 | $249 | 3/2.5 | 1,967 | 0 | 0.4 |
| 10393 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Oct 2026 | $325,990 | $150 | 5/3 | 2,180 | 214 | 0.6 |
| 10425 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Sep 2026 | $326,990 | $150 | 5/3 | 2,180 | 67 | 0.6 |
| 10400 Greystone Drive, Glen St. Mary, FL 32040Listed by WJH BROKERAGE FL LLC | Jun 2026 | $327,990 | $150 | 5/3 | 2,180 | 35 | 0.6 |
| 10216 River Oaks Drive, Glen St. Mary, FL 32040Listed by LMH REALTY LLC | Feb 2026 | $240,000 | $115 | 4/2.5 | 2,088 | 275 | 1.1 |
| 6116 Copper Drive, Macclenny, FL 32063Listed by ELITE REALTY OF NORTH FLORIDA LLC | Jun 2026 | $475,000 | $220 | 3/2.5 | 2,155 | 77 | 1.3 |
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: LPT REALTY, LLC
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
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