Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Queens Harbour, Jacksonville — a gated community home in Jacksonville.

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Active

Active·348 days on market·Queens Harbour

0 Fiddler'S Point Drive

Jacksonville, FL 32225

$2,500,000Est. $12,839/moMLS# 2107651

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Queens Harbour

Private Island in Queen's Harbour - No HOA Fees Rare opportunity to own a private 2.1-acre island in the exclusive gated community of Queen's Harbour. Walk the land bridge from the street directly to your island retreat. Surrounded by more than 30 acres of deeded salt marsh extending to the Intracoastal Waterway, this unique property offers exceptional privacy, breathtaking water and marsh views, stunning sunrises, and unforgettable sunsets. Abundant wildlife, native birds, and peaceful natural beauty create a true sanctuary. Ready for your dream home, the property includes an architectural survey, custom renderings, and house plans, making it easy to get started building. Enjoy access to Queen's Harbour amenities, including golf, tennis, and a marina, while returning home to your own private island escape. This is a property that must be experienced in person to fully appreciate. Schedule your private showing today.

Cost to own

Mortgage calculator

Home Price

$2,500,000

Down Payment: 20%

$500,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$12,839

Principal & Interest: $12,839

Property taxes (est.): $4,082

Insurance (est.): $1,667

Estimated Total Monthly

$18,588

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$12,839

Property taxesest. at asking price, Duval County$4,082

Estimated total, before insurance$16,921/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,512,712	$1,136,393	▲ $350,607
2024	$1,162,105	$1,033,085	—
2023	$984,790	$939,169	▲ $131,000
2022	$853,790	$853,790	—
2021	$853,790	$853,790	—
2020	$853,790	$853,790	—

Estimated taxes if purchased at asking price: ~$49,000/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified

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

Solar potential: ~1,434 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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