$475,0003 bd · 2.5 ba · 1,960 sq ft
Active·10 days on market
314 Scenic Point Lane
Fleming Island, FL 32003
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About this home
Fleming Island
This beautifully renovated riverfront residence offers a tranquil lifestyle where both levels of the home captures breathtaking views of the St. Johns river and spectacular sunrises. Recently renovated to include a luxurious primary bath with separate shower and freestanding soaking tub,new electric fireplace insert, newly refinished wood flooring in living room/dining room, new roof 2026 and freshly painted. This home offers open concept living areas to maximize the river views and is great for entertaining. The triple sliding doors from the living room access the expansive riverfront deck . Room to add a dock should you desire to keep a boat at the residence. This quaint community of only 30 residences, also offers a community pool for your enjoyment....low hoa fees compared to may other waterfront communities...only $464 quarterly! This property is being offered with Owner financing only!....$50 k down payment, a great 5.5% interest rate!, 30 yr amort. only P&I and a 7 yr balloon.
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 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 — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,700 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.
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
Winn-Dixieabout 4 mi · 11700 San Jose 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
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
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
2025 property taxes (current owner): $5,855/yr
Estimated taxes if purchased at asking price: ~$8,700/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.
History
Price & status history
- Oct 30, 2026Listed$475,000
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 $231/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 315 Scenic Point Lane, Fleming Island, FL 32003Listed by VILLAGE REALTY | Oct 2026 | $570,000 | $227 | 4/3.5 | 2,507 | 202 | 0 |
| 321 Scenic Point Lane, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $450,000 | $225 | 3/3 | 2,000 | 12 | 0 |
| 2199 Astor Street 403, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $520,000 | $325 | 2/2 | 1,600 | 7 | 1.2 |
| 2099 E Winterbourne 306, Orange Park, FL 32073Listed by EXP REALTY LLC | Aug 2026 | $350,000 | $213 | 3/2 | 1,644 | 93 | 1.4 |
| 2099 Winterbourne E 302, Orange Park, FL 32073Listed by WATSON REALTY CORP | Jun 2026 | $355,000 | $231 | 2/2 | 1,535 | 46 | 1.4 |
| 57 Winterbourne Street N 15, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Feb 2026 | $420,000 | $263 | 2/2 | 1,600 | 3 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: VILLAGE 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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