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Pending

Pending·27 days on market

1846 Waterbury Lane

Fleming Island, FL 32003

$1,395,000$388/sqftEst. $7,209/moMLS# 2158293

Beds

Baths

3,592

Sq Ft

1988

Built

Garage

Pool

About this home

Fleming Island

Welcome to the waterfront lifestyle you've been dreaming of. Perfectly positioned on a sprawling estate lot in one of Fleming Island's most desirable communities, this beautifully updated home offers luxury, comfort, and peace of mind from one of the highest elevations in the neighborhood. Designed for those who love life on the water, enjoy your private retreat featuring a covered boathouse with an 11,000-lb lift, floating dock, new bulkhead, extended screened lanai with a fully equipped outdoor kitchen, and an expansive paver patio overlooking the water. With direct navigable access to Doctor's Lake and the St. Johns River, every day feels like a vacation. Inside, you'll find a stunning, renovated chef's kitchen with Viking and Bosch appliances, luxury vinyl plank flooring throughout, fresh interior paint, plus a newer roof and three new HVAC systems. Residents also enjoy a community boat ramp and convenient RV/boat storage.

Cost to own

Mortgage calculator

Home Price

$1,395,000

Down Payment: 20%

$279,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$7,209

Principal & Interest: $7,209

Property taxes (est.): $2,138

Insurance (est.): $930

Estimated Total Monthly

$10,276

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.71% · 30yr$7,209

Property taxesest. at asking price, Clay County$2,138

HOAbilled annually$66

Estimated total, before insurance$9,413/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,025/yr · $502/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, 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

2025 property taxes (current owner): $6,025/yr

Estimated taxes if purchased at asking price: ~$25,700/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, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1988)

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: ~1,677 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

As of August 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

Sep 5, 2026Pending$1,395,000
Aug 21, 2026Active Under Contract$1,395,000
Aug 13, 2026Active$1,395,000
Aug 3, 2026Listed$1,395,000

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

Features

Price$1,395,000

Price / Sq Ft$388

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,592

Acres0.67 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address1846 Waterbury Lane, Fleming Island, FL 32003

Area122-Fleming Island-NW

SubdivisionHabersham Harbour

CityFleming Island

CountyClay

StateFL

Zip Code32003

Lot Size29,185.2 sq ft

Parcel Number31042601317800113

Amenities

AmenitiesPool, Boat Launch, Park, Playground, RV/Boat Storage, Tennis Court(s), Water

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, RV Access/Parking

ViewLake, River, Water

Waterfront TypeLake Front, Navigable Water, River Access

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo