This home is in Jacksonville — a waterfront home in Jacksonville.
Active·534 days on market
4119 Sunrise Cove Way
Jacksonville, FL 32250
About this home
Jacksonville
Coastal Living at Its Best in The Cove at Isle of Palms. Live the dream in this newer 4BR/4.5BA brand new waterfront home with a private dock slip and stunning Intracoastal access. Located in the exclusive Cove community, this home features high ceilings, fresh finishes, and an open-concept design perfect for relaxed living and entertaining. The light-filled main living area flows seamlessly to a covered lanai, while the gourmet kitchen includes an oversized island, upscale finishes, and direct connection to the dining space. The main-level owner's suite offers a spa-style bath, walk-in shower, dual vanities, and a large closet. Upstairs, a versatile loft opens to a second covered balcony with water views. A second owner's suite plus two additional guest rooms—each with private baths—provide comfort and flexibility. Just minutes from beaches, dining, and shopping, this home blends luxury, convenience, and the ultimate coastal lifestyle.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,662,731 | $1,584,631 | ▲ $729,951 |
| 2024 | $450,000 | $429,000 | — |
| 2023 | $390,000 | $390,000 | — |
| 2022 | $390,000 | $390,000 | ▲ $20,000 |
2024 property taxes (current owner): $7,797/yr
Estimated taxes if purchased at asking price: ~$36,900/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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: Metal — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,689 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 homeAs of July 2026, this 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.
History
Price & status history
- Jul 10, 2026Price change$1,885,000−$65,000
- Feb 19, 2025Listed$1,950,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines