This home is in Jacksonville — a waterfront home in Jacksonville.
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Sold·Closed Mar 21, 2025·95 days on market·Recent sales in Jacksonville
1305 McGirts Creek Drive
Jacksonville, FL 32221
About this home
Jacksonville
Motivated Seller now offering $5000 towards Buyer's Closing Costs, Upgrades or Rate Buy Down and a 1 Year Home Warranty up to $500. One owner 4-bedroom, 2-bath all brick home. All appliances stay, including washer and dryer. Open floorplan. Roof was replaced 9/24. HVAC and Water heater within last 3 years. Imagine sitting in your rockers on your covered Lanai overlooking the beautiful view from your premium 90' wide .45 acre pond lot... Located near Equestrian Center, NAS, Cecil Field and Oakleaf Town Center.
Next steps in Jacksonville
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.
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,778 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 homeThis 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.
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 7:27 AM, sunset 7:01 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.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- 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
2023 property taxes (current owner): $194/yr
Estimated taxes if purchased at asking price: ~$7,500/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 3,305 current Duval 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
- Feb 6, 2025Listed$399,900
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 $180/sq ft; this home is listed at $172/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1393 Perth Road, Jacksonville, FL 32221Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $525,500 | $221 | 4/3 | 2,383 | 18 | 0.5 |
| 1032 Deer Spring Drive, Jacksonville, FL 32221Listed by HEAVENER REALTY, LLC | Oct 2026 | $424,900 | $146 | 5/3 | 2,909 | 12 | 0.7 |
| 10428 Crystal Springs Road, Jacksonville, FL 32221Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $395,000 | $192 | 3/2 | 2,059 | 15 | 0.7 |
| 2230 Snowcreek Court, Jacksonville, FL 32221Listed by HERRON REAL ESTATE LLC | Oct 2026 | $290,000 | $166 | 3/2 | 1,748 | 18 | 0.9 |
| 11032 S Royal County Drive, Jacksonville, FL 32221Listed by COMPASS FLORIDA LLC | Oct 2026 | $505,000 | $180 | 5/4 | 2,803 | 48 | 0.9 |
| 1564 Tralee Court N, Jacksonville, FL 32221Listed by BOARDWALK REALTY ASSOCIATES LLC | Sep 2026 | $475,000 | $173 | 4/3 | 2,753 | 30 | 0.9 |
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: HERRON REAL ESTATE LLC
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
Broker Associate
This home sold on Mar 21, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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