$420,0003 bd · 2 ba · 1,642 sq ft
Active·17 days on market
3194 Creighton Landing Road
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
RARE DEEDED BOAT SLIP + DOCTORS LAKE ACCESS! Discover the best of Fleming Island living in this beautifully updated brick home on a private, wooded 1/2-acre corner lot on a quiet dead-end street. Just steps from the home is a privately owned, deeded boat slip on the community dock, providing direct access to beautiful Doctors Lake and the St. Johns River—an exceptional opportunity for boaters and anyone who enjoys the waterfront lifestyle. Walk to the private dock and take in gorgeous Doctors Lake views, whether you're enjoying a spectacular sunrise or relaxing at sunset. Nearby, Doctors Lake Marina offers convenient boat rentals, fuel, dry storage and boat maintenance. And with no traditional neighborhood HOA—only the dock association HOA—this property offers an uncommon combination of privacy, convenience and waterfront access. The home is move-in ready with an updated kitchen featuring beautiful granite countertops, new cabinetry. Porcelain wood-look tile, updated Bathrooms, too.
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 1980)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · Private well (public record)
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,471 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
As 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, 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 beach parking
Mickler's Landing Beachfront Parkabout 21 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 3 mi · Doctors Lake
Closest grocery store
Publixabout 4 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $351,393 | $300,671 | — |
| 2024 | $346,529 | $296,529 | — |
| 2023 | $339,539 | $168,136 | — |
| 2022 | $211,783 | $161,783 | — |
| 2021 | $206,242 | $156,242 | — |
| 2020 | $206,356 | $156,356 | — |
2025 property taxes (current owner): $5,105/yr
Estimated taxes if purchased at asking price: ~$7,700/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 (2025), NEFMLS.
History
Price & status history
- Oct 23, 2026Listed$420,000
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 $193/sq ft; this home is listed at $256/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1279 Pirates Cove Lane, Fleming Island, FL 32003Listed by YOUR HOME SOLD GUARANTEED REALTY ADVISORS | Sep 2026 | $336,000 | $161 | 4/2 | 2,082 | 19 | 0.3 |
| 1879 Harbor Island Drive, Fleming Island, FL 32003Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $365,000 | $193 | 3/2 | 1,888 | 1 | 0.4 |
| 1671 Dockside Drive, Fleming Island, FL 32003Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $399,000 | $238 | 4/2 | 1,674 | 76 | 0.5 |
| 2541 Elbow Road, Orange Park, FL 32073Listed by WATSON REALTY CORP | Aug 2026 | $346,225 | $214 | 3/2 | 1,621 | 49 | 1 |
| 1485 Marsh Rabbit Way, Fleming Island, FL 32003Listed by CHAD AND SANDY REAL ESTATE GROUP | Nov 2026 | $277,500 | $159 | 4/2 | 1,750 | 95 | 1.4 |
| 1472 Marsh Rabbit Way, Fleming Island, FL 32003Listed by THE LEGENDS OF REAL ESTATE | Oct 2026 | $265,000 | $149 | 3/2 | 1,777 | 126 | 1.4 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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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