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Active

Active·5 days on market

2771 Shade Tree Drive

Fleming Island, FL 32003

$1,250,000$204/sqftEst. $6,653/moMLS# 2151253

Beds

Baths

6,114

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Fleming Island

Located on a private cul-de-sac in the desirable Black Creek section of Eagle Harbor, this custom-built Poimbeouf home offers exceptional space, comfort, and accessibility. Designed specifically for its oversized lot, the home features soaring ceilings, wide hallways, and an open-concept layout filled with natural light. The main level includes dual owner's suites, a guest bedroom with full bath, and fully wheelchair-accessible living spaces. Upstairs, you'll find two spacious bedrooms and a large bonus room ideal for a media room, playroom, or home office. Enjoy Florida living at its finest with a screened pool, summer kitchen, fire pit, and expansive outdoor entertaining areas overlooking a peaceful lagoon. Combining thoughtful design, privacy, and luxury, this one-of-a-kind home is a rare opportunity in one of Fleming Island's most sought-after communities.

Cost to own

Mortgage calculator

Home Price

$1,250,000

Down Payment: 20%

$250,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,314

Principal & Interest: $6,314

Est. Taxes & Insurance: $1,579

Estimated Total Monthly

$7,893

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$6,653

Property taxesest. at asking price, Clay County$1,916

HOAbilled annually$10

Estimated total, before insurance$8,579/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $1,100,000 in October 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,043,905	$0	—
2024	$1,028,847	$651,848	—
2023	$975,665	$631,406	—
2022	$843,371	$611,560	—
2021	$738,940	$592,292	—
2020	$659,075	$583,425	—

2025 property taxes (current owner): $2,595/yr

Estimated taxes if purchased at asking price: ~$23,000/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 2006)

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: ~1,641 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 10, 2026Active$1,250,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,250,000

Price / Sq Ft$204

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage6,114

Acres0.61 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesSalt Water

Is WaterfrontYes

Community Information

Address2771 Shade Tree Drive, Fleming Island, FL 32003

Area124-Fleming Island-SW

SubdivisionEagle Harbor

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size26,571.6 sq ft

Parcel Number07052601426400462

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

ViewPool, Protected Preserve, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Solar Tube(s), Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Cooktop, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)