Active Under Contract·6 days on market
1820 Waterbury Lane
Fleming Island, FL 32003
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Fleming Island
Discover an exceptional navigable waterfront opportunity in Habersham Harbour, Fleming Island! Situated on over half an acre, this spacious 4 bedroom, 2.5 bath home offers beautiful water views, a private dock, and boathouse for enjoying life on the water. Built in 1989 with original finishes, this well-maintained home offers the perfect chance to personalize and create your dream waterfront retreat. The single story layout features high ceilings, formal living and dining rooms, and French doors opening to a deck overlooking the water. The expansive family room with fireplace provides a welcoming gathering space, while the kitchen offers abundant cabinetry, ample counter space, and a center island. The primary suite includes a walk-in closet and ensuite bath with double vanity, garden tub, and separate shower. With generous living spaces, a large waterfront lot, and private boating amenities, this is a rare opportunity to make navigable waterfront living your own!
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 1989)
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: ~1,667 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 October 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.
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 beach parking
Mickler's Landing Beachfront Parkabout 24 mi · 202 parking spaces
Closest park or preserve
Alpine Groves Parkabout 6 mi · 1 mi of trails
Closest public boat ramp
Lakeshore Park Boat Rampabout 2 mi · St. Johns River - Doctors Lake
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 0.8 mi · Doctors Lake
Closest grocery store
Publixabout 6 mi · 6001 Argyle Forest 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): $10,808/yr
Estimated taxes if purchased at asking price: ~$15,600/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.
History
Price & status history
- Oct 23, 2026Active Under Contract$850,000
- Oct 19, 2026Listed$850,000
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 $205/sq ft; this home is listed at $314/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1850 Waterbury Lane, Fleming Island, FL 32003Listed by MILLER & COMPANY REAL ESTATE | Sep 2026 | $690,600 | $294 | 4/2.5 | 2,345 | 194 | 0.2 |
| 1928 Moorings Circle, Middleburg, FL 32068Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $610,000 | $184 | 5/5 | 3,317 | 88 | 0.3 |
| 1998 Lenox Court, Middleburg, FL 32068Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $353,900 | $164 | 3/2.5 | 2,152 | 43 | 0.3 |
| 1912 Silo Oaks Place, Middleburg, FL 32068Listed by MAGNOLIA REAL ESTATE COMPANY | Oct 2026 | $489,990 | $205 | 3/2 | 2,389 | 4 | 0.6 |
| 3034 Nautilus Road, Middleburg, FL 32068Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Oct 2026 | $417,500 | $202 | 4/2 | 2,067 | 26 | 0.7 |
| 2283 South Brook Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $695,000 | $225 | 5/4 | 3,093 | 11 | 0.7 |
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: COLDWELL BANKER VANGUARD REALTY
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.
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Krista Fracke
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