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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·312 days on market

0 Sawpit Road

Jacksonville, FL 32226

$750,000Est. $3,852/moMLS# 2113059

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville

Where the OAKS meet the water and the SUNRISE greets your day! Escape to nature's embrace on the Secluded DEEP WATER Accessible 3.4 acre homesite-ready lot on Black Hammock Island with immense potential. Enjoy BREATHTAKING views of Talbot Island Preserve and south end Amelia Island distance vistas. Enjoy stunning SUNRISES over protected MARSHLANDS. This wooded property features ancient water oaks, 275 feet of FRONTAGE and DEEP WATER ACCESS to the channel, navigable to the Atlantic Ocean. An existing Metal building on the property could be used as a workshop or great place to store material while building. Across the street, CONSERVATION land preserves your privacy and natural surroundings. A RARE opportunity to build your DREAM ESTATE in one of Northeast Florida's most pristine and secluded locations.

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,852

Principal & Interest: $3,852

Property taxes (est.): $1,225

Insurance (est.): $500

Estimated Total Monthly

$5,576

*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$3,852

Property taxesest. at asking price, Duval County$1,225

Estimated total, before insurance$5,076/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	$217,992	$217,992	▲ $28,809

Estimated taxes if purchased at asking price: ~$14,700/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 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: material not specified

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

Septic system (public record) · Private well (public 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: ~1,664 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