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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·466 days on market

15289 Cape Drive N

Jacksonville, FL 32226

$1,820,000$404/sqftEst. $9,280/moMLS# 2084130

Beds

Baths

4,503

Sq Ft

2008

Built

Garage

Pool

About this home

Jacksonville

RIVERFRONT PROPERTY with navigable access to the ocean. Two separate 2 car attached garages. Full Brick home. Three acre parcel (including the marsh). 3 bed/2.5 bath downstairs, and 1 bed/1bath upstairs. Private, primary bedroom features 3 closets + dressing room with direct access to 1 of 2 laundry rooms. HVAC updated in 2024. No HOA. View all 64 photos and virtual floor plan now! MORE DETAILS:

Cost to own

Mortgage calculator

Home Price

$1,820,000

Down Payment: 20%

$364,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,280

Principal & Interest: $9,280

Property taxes (est.): $2,972

Insurance (est.): $1,213

Estimated Total Monthly

$13,465

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$9,280

Property taxesest. at asking price, Duval County$2,972

Estimated total, before insurance$12,251/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,984/yr · $665/mo

• 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	$867,370	$437,655	—
2024	$845,786	$424,473	▼ $757
2023	$880,534	$410,508	▲ $77,610
2022	$772,885	$401,450	▲ $25,357
2021	$635,580	$388,287	▲ $8,031
2020	$612,160	$382,229	▲ $38,735

2024 property taxes (current owner): $7,984/yr

Estimated taxes if purchased at asking price: ~$35,700/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 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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 — year not disclosed (home built 2008)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,617 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 home

As 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

Apr 26, 2025Listed$1,820,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,820,000

Price / Sq Ft$404

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,503

Acres3.00 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address15289 Cape Drive N, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionThe Cape

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size130,680 sq ft

Parcel Number1084260769

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Circular Driveway, Garage

ViewRiver

Waterfront TypeCreek, Marsh, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo