This home is in Jacksonville — a gated community home in Jacksonville.
Active·231 days on market
1311 Salt Ridge Avenue
Jacksonville, FL 32218
About this home
Jacksonville
$5,000 Seller Credit! Use it toward closing costs, prepaid expenses, or an interest rate buydown to help lower your monthly payment. Built in 2021, this move-in ready townhome offers the perfect combination of modern style and low-maintenance living in the gated community of Spartina Cove. The open-concept floor plan features a spacious kitchen with white 42-inch cabinets, gray quartz countertops, stainless steel appliances, a breakfast bar, pantry, and plenty of storage. Upstairs you'll find three spacious bedrooms, two full bathrooms, a versatile loft ideal for a home office, playroom or second living area, convenient upstairs laundry, and brand-new carpet throughout. Relax on the screened lanai and enjoy a lifestyle with exterior maintenance and lawn care provided by the HOA. Conveniently located just minutes from River City Marketplace, Jacksonville International Airport, I-95, I-295, shopping, dining, and major employers including Amazon and UF Health North. FHA, VA, Conventional
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 | $223,313 | $163,989 | — |
| 2024 | $208,660 | $158,660 | — |
| 2023 | $217,351 | $159,899 | — |
| 2022 | $203,786 | $153,786 | — |
| 2021 | $33,000 | $33,000 | — |
| 2020 | $33,000 | $33,000 | — |
2024 property taxes (current owner): $3,174/yr
Estimated taxes if purchased at asking price: ~$4,500/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 (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,712 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
- Jan 5, 2026Listed$230,000
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: THE LEGENDS OF REAL ESTATE
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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Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines