This home is in Jacksonville.
Active Under Contract·259 days on market
10925 Whitworth Court
Jacksonville, FL 32225
About this home
Jacksonville
Welcome to 10925 Whitworth Court — a beautifully updated 3-bedroom, 2-bath home tucked inside one of Fort Caroline's most desirable neighborhoods! This charming residence offers the perfect blend of comfort, convenience, and coastal living. Located just minutes from Jacksonville's stunning beaches and the Mayport Navy Base, it sits in a quiet cul-de-sac with low HOA fees and a friendly, established community feel. Step inside to an inviting open layout filled with natural light, featuring a spacious living area, well-appointed kitchen, and a cozy dining space perfect for gatherings. The primary suite offers a peaceful retreat, while two additional bedrooms provide flexibility for guests, a home office, or family. Enjoy outdoor living in your private backyard—ideal for relaxing evenings, pets, or weekend barbecues. With its prime location, attractive features, and unbeatable neighborhood charm, this Fort Caroline gem checks all the boxes.
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 | $361,084 | $261,350 | — |
| 2024 | $346,978 | $253,277 | ▲ $8,797 |
| 2023 | $345,153 | $244,444 | ▲ $48,468 |
| 2022 | $285,868 | $235,868 | ▲ $18,813 |
| 2021 | $226,477 | $226,477 | — |
| 2020 | $213,355 | $212,219 | — |
2024 property taxes (current owner): $4,877/yr
Estimated taxes if purchased at asking price: ~$7,800/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,492 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 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
- Aug 5, 2026Active Under Contract$399,000
- Nov 21, 2025Listed$399,000
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: DJ & LINDSEY REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines