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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville.

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Sold

Sold·Closed Jun 11, 2026·175 days on market·Recent sales in Over 55 & Active Adult

5311 Clapboard Cove Court

Jacksonville, FL 32226

$470,000sold priceListed at $508,000 · 92.5% of asking$254/sqftMLS# 2117320
3
Beds
2
Baths
1,854
Sq Ft
2020
Built
1
Garage
No
Pool
HOA $73/mo16,553 sqft lotSingle Family Residence1 story

About this home

Jacksonville

***Motivated Seller - Seller willing to contribute $5,000 in seller concessions with acceptable offer*** Welcome to Tidewater, one of North Jacksonville's most up-and-coming communities! This modern, energy-efficient beauty is just five years young and perfectly blends comfort and style. Featuring three spacious bedrooms and two bathrooms, this home feels cozy yet refined -- perfect for families or anyone ready to elevate their lifestyle. Enjoy the quiet, established neighborhood with a touch of luxury living that continues to grow in value and community spirit. The open-concept layout, sleek finishes, and inviting feel make this home one you'll fall in love with instantly. Don't miss your chance to call Tidewater home -- the seller is motivated, so let's make it happen!!!!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,603
Property taxesest. at asking price, Duval County$767
HOAbilled quarterly$73
Estimated total, before insurance$3,444/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,327/yr · $611/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$470,000
$94,000
Loan Term
Monthly Payment
$2,603
Principal & Interest: $2,603
Property taxes (est.): $767
Insurance (est.): $313
Estimated Total Monthly
$3,684
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,796 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$441,551$317,598▲ $32,686
2024$409,594$307,940▲ $25,325
2023$396,312$297,515—
2022$337,394$287,394▼ $58,861
2021$327,987$277,987—

2024 property taxes (current owner): $7,327/yr

Estimated taxes if purchased at asking price: ~$9,200/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 $221/sq ft; this home is listed at $274/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12100 Red Barn Court, Jacksonville, FL 32226Listed by WATKINS REALTY GROUPNov 2025$474,000$2293/22,072120.3
12844 Nungezer Road, Jacksonville, FL 32226Listed by KELLER WILLIAMS ST JOHNSSep 2025$430,000$2573/21,674520.7
4558 Farmhouse Gate Trail, Jacksonville, FL 32226Listed by ERA ONETEAM REALTYApr 2026$489,000$2214/32,213471.1
12264 Sacha Road, Jacksonville, FL 32226Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDESep 2026$324,232$1714/21,8952981.5
12598 Pine Marsh Way, Jacksonville, FL 32226Listed by FIRST COAST HEROES REAL ESTATE LLCJun 2026$385,000$2163/21,786192
13401 Grover Road, Jacksonville, FL 32226Listed by UNITED REAL ESTATE GALLERYMar 2026$360,000$1563/32,310112.2

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

Price$508,000
Price / Sq Ft$274
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,854
Acres0.38 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address5311 Clapboard Cove Court, Jacksonville, FL 32226
Area096-Ft George/Blount Island/Cedar Point
SubdivisionTidewater
CityJacksonville
CountyDuval
StateFL
Zip Code32226
Lot Size16,552.8 sq ft
Parcel Number1599424485

Amenities

AmenitiesPool, Fitness Center, Jogging Path, Playground, Trash
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Patio / PorchPorch, Screened
RoofShingle

Additional Information

Date ListedNovember 11, 2025
Days on Market175
HOA Fees$220 / Quarterly
HOA FrequencyQuarterly
Tax Amount$7,326.81
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 11, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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