This home is in Jacksonville.
Sold·Closed Jun 15, 2026·66 days on market·Recent sales in Jacksonville
11050 Harbor Cay Court
Jacksonville, FL 32225
About this home
Jacksonville
Waterfront living with direct boating access. Built in 2021 on a helical-pile foundation and exempt from flood insurance, this one-of-a-kind architect-designed home offers ~72 feet of frontage on a dredged canal with capacity for large vessels. Inside, vaulted ceilings reach ~21 ft, complemented by custom European woodwork and a natural marble fireplace. Designed for function and flexibility, the home includes private dock piles (build a dock to your spec), community boat ramp, 2 laundry rooms, utility shower, and a 3-car garage sized for full trucks. Technology features include integrated smart home systems, dual EV charging, and generator readiness. Pre-wired and plumbed for an outdoor kitchen, the home also supports future expansion of outdoor living. Built to hurricane-rated standards with steel beam framing, reinforced concrete, 2x6 framing with R19 insulation, and a metal roof with R30 insulation. Located in a private 10-home enclave overlooking preserved marsh and water views.
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 (that applies to the reference bill above too).
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: Metal — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,755 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
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $897,688 | $652,381 | — |
| 2024 | $870,962 | $633,288 | ▲ $25,143 |
| 2023 | $843,006 | $613,387 | ▲ $151,784 |
| 2022 | $662,273 | $594,066 | — |
| 2021 | $112,608 | $112,608 | — |
| 2020 | $112,608 | $112,608 | ▲ $13,248 |
2024 property taxes (current owner): $13,684/yr
Estimated taxes if purchased at asking price: ~$27,000/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.
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 $251/sq ft; this home is listed at $445/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11257 Portside Drive, Jacksonville, FL 32225Listed by HOMECOIN.COM | Sep 2026 | $800,000 | $260 | 4/3 | 3,075 | 110 | 0.3 |
| 4425 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $553,000 | $220 | 4/2.5 | 2,519 | 67 | 0.3 |
| 11420 Starboard Drive, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $740,000 | $295 | 4/3.5 | 2,508 | 5 | 0.4 |
| 4042 Harbour Cove Drive, Jacksonville, FL 32225Listed by FLUID REALTY, LLC. | Jul 2026 | $620,000 | $227 | 3/3.5 | 2,732 | 3 | 0.5 |
| 4432 Hartman Road, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $395,000 | $166 | 4/2.5 | 2,380 | 3 | 0.6 |
| 11400 Reed Island Drive, Jacksonville, FL 32225Listed by REAL BROKER LLC | Nov 2025 | $615,000 | $251 | 4/2.5 | 2,453 | 19 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOMECOIN.COM
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 Jun 15, 2026. 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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