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1846 WATERBURY Lane, Fleming Island, FL, 32003

5beds
5baths
3,592sqft
$1,395,000
$388price/sqft
$10,057/moest. monthly cost
$402,280/yrincome needed

About This Home

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.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

10/10
7/10
8/10
Fleming Island High SchoolGrades PK,9-122.3 mi

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Cooktop,Electric Oven,Electric Water Heater,Ice Maker,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Breakfast 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)
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,592 sqft

Property

Details

  • Parcel number: 31042601317800113

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Screened
  • Exterior features: Boat Lift,Boat Ramp - Private,Dock,Fire Pit,Outdoor Kitchen
  • Fencing: Fenced
  • Has view: Yes
  • View description: Lake,River,Water
  • Has water view: Yes
  • Water view: Lake,River,Water
  • On waterfront: Yes
  • Waterfront features: Lake Front,Navigable Water,River Access

Lot

  • Lot size: 0.67 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Coastal Flooding
Hurricane
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Clay County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,053$84,636
Home Insurance *$971$11,652
Property Taxes $1,672$20,064
Electricity $361$4,337
Total$10,057$120,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$344,811/yr
40% on housing$301,710/yr
45% on housing$268,186/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.5%
16.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.5%
4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$388This listing

vs Other Active Listings

Avg $/sqft

ZIP 32003$228
Clay County$175

vs Homes Sold Last Month

Median $/sqft

ZIP 32003$209
Clay County$181

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-13Listed for sale$1,395,000
2022-11-09Sold$1,130,000
2022-10-31Pending sale$1,180,000
2022-10-31Listed for sale$1,180,000
2022-10-05Listing removed--
2022-09-26Contingent$1,180,000
2022-07-06Price change$1,180,000
2022-05-25Listed for sale$1,300,000

For Sale by Agent

AgentYORDAN POLANCO
BrokerageHERRON REAL ESTATE LLC

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