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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 — a waterfront home in Jacksonville.

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Active

Active·142 days on market

1307 River Hills Circle 16

Jacksonville, FL 32211

$246,200$154/sqftEst. $1,364/mo mortgageMLS# 2121539
3
Beds
3
Baths
1,600
Sq Ft
1986
Built
—
Garage
No
Pool
FEMA Zone XHOA $500/mo1,307 sqft lotWaterfrontCondominium2 stories

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About this home

Jacksonville

Welcome home to this beautiful two-story waterfront condo. Enjoy the panoramic view of the St. Johns River & Intracoastal Waterways from both stories. You can spend some times by the swimming pool or take a stroll on the dock by the river in your backyard. The Roof is less than two years old. This condo is on the 2nd and 3rd floor of the building. The first floor features the family and dining room combo, kitchen, one bedroom and bathroom, front and back balcony with water view, and more. The 2nd floor features two bedrooms, laundry room, bathrooms, water view balcony, and more. You just need to come see for yourself. This 3-bedroom condo is also listed for rent. Please search for MLS# 2118320.

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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$1,364
Property taxesest. at asking price, Duval County$402
HOAbilled monthly$500
Estimated total, before insurance$2,266/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,983/yr · $249/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

$246,200
$49,240
Loan Term
Monthly Payment
$1,364
Principal & Interest: $1,364
Property taxes (est.): $402
Insurance (est.): $164
Estimated Total Monthly
$1,930
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1986)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,730 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $240,000 in January 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$208,000$157,278—
2024$208,000$158,000—
2023$236,000$236,000—
2022$211,000$25,000—
2021$172,000$25,000▲ $44,000
2020$128,000$25,000—

2025 property taxes (current owner): $2,983/yr

Estimated taxes if purchased at asking price: ~$4,800/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.

History

Price & status history

  • Jun 1, 2026Listed$246,200

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $132/sq ft; this home is listed at $154/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1307 River Hills Circle E 9, Jacksonville, FL 32211Listed by RE/MAX SPECIALISTSJul 2026$290,000$1823/2.51,590600
5201 Atlantic Boulevard 173, Jacksonville, FL 32207Listed by COMPASS FLORIDA LLCOct 2026$123,000$1092/21,130200.8
751 Egret Bluff Lane, Jacksonville, FL 32211Listed by KELLER WILLIAMS FIRST COAST REALTYJul 2026$185,000$1092/2.51,7001570.8
5201 Atlantic Boulevard 74, Jacksonville, FL 32207Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$120,000$832/21,4502570.9
5201 Atlantic Blvd. 225, Jacksonville, FL 32207Listed by HERRON REAL ESTATE LLCAug 2026$225,000$1323/21,700380.9
1609 Pottsburg Point Drive, Jacksonville, FL 32207Listed by CHAD AND SANDY REAL ESTATE GROUPJun 2026$260,000$1653/2.51,574270.9

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$246,200
Price / Sq Ft$154
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage1,600
Acres0.03 acres
Year Built1986
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

This listingNo schools reported in the MLS
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address1307 River Hills Circle 16, Jacksonville, FL 32211
Area041-Arlington
SubdivisionRiver Hills
CityJacksonville
CountyDuval
StateFL
Zip Code32211
Lot Size1,306.8 sq ft
Parcel Number1340970132
ZoningSingle Family

Amenities

AmenitiesPool, Beach Access, Boat Dock, Boat Slip, Clubhouse
Community FeaturesFishing, Suburban, Restaurant, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking
ViewIntracoastal, Pool, River, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories2
LevelsMulti/Split, Two
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBalcony, Boat Lift, Boat Ramp - Private, Boat Slip, Dock
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Wrap Around
FencingFenced, Block
RoofShingle
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 1, 2026
Days on Market175
HOA Fees$500 / Monthly
HOA FrequencyMonthly
HOA NameBanning Management Inc. - Lisa Sullivan
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Trash
Tax Amount$2,982.86
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SOLSTICE REALTY, LLC

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

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20+ years · 500+ closings · NE Florida

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