Active Under Contract·29 days on market
5950 W Shores Road
Fleming Island, FL 32003
About this home
Fleming Island
Welcome to a truly exceptional property where space, functionality and stunning surroundings come together. Situated on a premium 0.704-acre corner lot with no HOA or CDD, this meticulously maintained home offers everything you've been searching for. From the impressive curved main driveway to the dedicated RV/boat parking complete with electric service, sewer clean-out and separate driveway, this property is designed to accommodate your lifestyle. Before you even step inside you'll be captivated by the inviting covered front porch overlooking breathtaking river views just across the street. Inside, wood laminate flooring, soaring ceilings, picturesque windows and an abundance of natural light create a warm and elegant atmosphere. Designed with both comfort and flexibility in mind, the thoughtfully planned split-bedroom layout features four spacious bedrooms with three offering private en-suite bathrooms, including a convenient dual entrance bath--ideal for multi-generational living or
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 | $618,204 | $255,216 | — |
| 2024 | $609,855 | $247,316 | — |
| 2023 | $598,143 | $238,657 | — |
| 2022 | $494,438 | $230,250 | — |
| 2021 | $380,886 | $222,088 | — |
| 2020 | $365,390 | $218,332 | — |
2025 property taxes (current owner): $4,412/yr
Estimated taxes if purchased at asking price: ~$11,000/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 2003)
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: ~1,699 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.
History
Price & status history
- Jul 30, 2026Active Under Contract$600,000
- Jul 28, 2026Active$600,000
- Jul 23, 2026Active Under Contract$600,000
- Jul 10, 2026Listed$600,000
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: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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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