This home is in Queens Harbour, Jacksonville.

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Pending

Pending·173 days on market·Queens Harbour

13601 Emerald Cove Court

Jacksonville, FL 32225

$1,850,000$448/sqftEst. $9,846/moMLS# 2126562

Beds

Baths

4,126

Sq Ft

1995

Built

Garage

Pool

About this home

Queens Harbour

Located on a quiet cul-de-sac along prestigious Queens Harbour Blvd, this elegant waterfront residence offers privacy, water views, and a private dock within the guard-gated Queen's Harbour Yacht & Country Club. The expansive homesite features a circular driveway, mature oak trees, and a serene freshwater lagoon backdrop. Abundant natural light fills the home, highlighting peaceful water views and stunning morning and evening reflections. Tastefully updated kitchen and baths enhance everyday living, while the oversized primary suite provides a true owner's retreat. An oversized three-car garage adds excellent storage. Enjoy a 28-foot private dock with direct access via the community lock system to the Intracoastal and ocean. Minutes to the clubhouse, golf, fitness, tennis, pickleball, shopping, hospitals, and beaches.

Cost to own

Mortgage calculator

Home Price

$1,850,000

Down Payment: 20%

$370,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$9,345

Principal & Interest: $9,345

Est. Taxes & Insurance: $2,336

Estimated Total Monthly

$11,681

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$9,846

Property taxesest. at asking price, Duval County$3,021

HOAbilled quarterly$373

Estimated total, before insurance$13,240/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$1,386,205	$1,386,205	▲ $120,087
2024	$1,270,083	$700,722	▲ $183,964
2023	$1,004,569	$678,857	—
2022	$984,148	$657,629	—
2021	$869,703	$637,019	▲ $25,661
2020	$788,830	$627,534	—

Estimated taxes if purchased at asking price: ~$36,200/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.

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 1995)

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

Solar potential: ~1,680 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 7, 2026Pending$1,850,000
Jan 23, 2026Listed$1,850,000

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

Features

Price$1,850,000

Price / Sq Ft$448

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage4,126

Total Structure Area5,295 sq ft

Acres0.51 acres

Year Built1995

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryNeptune Beach

MiddleLandmark

HighSandalwood

Community Information

Address13601 Emerald Cove Court, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size22,215.6 sq ft

Lot Dimensions90 sq ft X 220 sq ft

Parcel Number1671272200

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Slip, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Management- On Site, Marina, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewWater

Waterfront TypeIntracoastal, Lagoon, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Ice Maker, Induction Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Upper Level, Washer Hookup

SecuritySmoke Detector(s)