Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$765,000

2727 SHADE TREE Drive, Fleming Island, FL 32003

Cypress Creek

Price
$765,000
Beds / Baths
4 / 5
Living area
4,279 sqft
Year built
2007
Type
Residential
Lot
0.47 ac
Garage
3
HOA
$10/mo
CDD
Yes
Flood zone
Unknown
County
Clay
Days on market
123
Elementary
Thunderbolt
Middle
Green Cove Springs
High school
Fleming Island

Experience refined living in this stunning custom-built 4-bedroom, 4.5-bath home in prestigious Eagle Harbor. Exceptional craftsmanship shines throughout, perfectly positioned on an oversized pond-view homesite. The gourmet kitchen offers generous counter space, a large island, breakfast bar, and seamless flow into the great room with fireplace--ideal for entertaining. Enjoy tranquil pond views from the screened porch, blending indoor and outdoor living. The main level features two private suites, including an in-law retreat with kitchenette, plus dual laundry rooms. Upstairs, find additional bedrooms and a spacious bonus room with wet bar for recreation or relaxation. Highlights include a 3.5-car garage, hidden safe room, and proximity to Eagle Harbor's sought-after amenities. Some photos may be virtually staged.

What to check on this one

  • Verify roof age and condition; 19 years old may trigger insurer inspection requirements soon.
  • Obtain flood zone designation and elevation certificate if in AE/VE zone.
  • Request CDD bond payoff amount and remaining assessment schedule.
  • Confirm in-law suite legality under Clay County zoning and any rental restrictions.
  • Review HOA/Eagle Harbor CC&Rs for short-term rental prohibitions or rules.
  • Inspect plumbing materials; 2007 build should verify no polybutylene present.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,969/mo
Property tax (1.1% eff., Clay Co.)$701/mo
Homeowners insurance (est.)$446/mo
HOA$10/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$5,293/mo

Loan $612,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of MARK SPAIN REAL ESTATE. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 2:49 PM.

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