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This home is in Jacksonville — a home near Sandalwood High School.

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Sold

Sold·Closed Apr 3, 2026·23 days on market·Recent sales in New Construction — Jacksonville

13934 Shipwreck Circle N

Jacksonville, FL 32224

$685,000sold priceListed at $699,000 · 98% of asking$281/sqftMLS# 2128694

Beds

2.5

Baths

2,436

Sq Ft

1973

Built

Garage

Pool

No HOA0.40 acresSingle Family Residence2 stories

About this home

Jacksonville

Just 10 minutes from the beach, this thoughtfully remodeled home offers a blend of space, style, and coastal convenience—all priced under $700k. Situated on nearly half an acre with almost 3,000 square feet of total building area, this expansive property provides the rare opportunity to own a spacious home close to the coast without HOA restrictions. 4 bedrooms, 2.5 bathrooms, high ceilings, a 2-car garage, and a massive, fully fenced backyard, making it perfect for both everyday life and entertaining. The interior features a beautiful remodel with high-end finishes throughout, including a fully renovated kitchen and bathrooms. Enjoy Intracoastal Waterway views from the 2nd floor, while resting easy knowing the property is in Flood Zone X, eliminating the need for flood insurance. Roof (2021), electrical and plumbing upgrades, new interior and exterior paint, and a prime location--come see today! A full list of upgrades and property features can be found in the Documents tab!

Next steps in New Construction — Jacksonville

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,764

Property taxesest. at asking price, Duval County$1,118

Estimated total, before insurance$4,883/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,288/yr · $524/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).

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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,532 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.

Around this address

Nearby, from public data

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

Closest beach parking
19th Ave N
about 3 mi · 15 parking spaces
Closest park or preserve
Dutton Island Preserve
about 3 mi · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)
about 4 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Castaway Island Preserve Kayak Dock
about 0.8 mi · Atlantic Intercoastal Waterway
Closest youth league fields
Patton Park
about 2 mi · Soccer
Closest grocery store
Walmart Neighborhood Market
about 1 mi · 1650 San Pablo Road South, Jacksonville

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

2025 property taxes (current owner): $6,288/yr

Estimated taxes if purchased at asking price: ~$13,400/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, 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 $264/sq ft; this home is listed at $287/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
2679 Treasure Cove Lane, Jacksonville, FL 32224Listed by HOME SOLD REALTY LLC	Sep 2026	$518,000	$264	3/2	1,965	2	0.4
13835 Softwind Trail N, Jacksonville, FL 32224Listed by FLUID REALTY, LLC.	Oct 2026	$635,000	$259	4/3	2,451	1	0.5
2306 Pine Island Court, Jacksonville, FL 32224Listed by BERRY & CO. REAL ESTATE	Sep 2026	$1,035,000	$399	3/2.5	2,595	150	0.5
13819 Ibis Point Boulevard, Jacksonville, FL 32224Listed by LPT REALTY LLC	Oct 2026	$694,000	$232	4/3	2,994	108	0.6
13891 Ibis Point Boulevard, Jacksonville, FL 32224Listed by HERRON REAL ESTATE LLC	Oct 2026	$545,000	$264	4/2	2,061	4	0.6
2388 Covington Creek Drive W, Jacksonville, FL 32224Listed by MOMENTUM REALTY	Oct 2026	$540,000	$262	3/2	2,063	4	0.6

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$699,000

Price / Sq Ft$287

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,436

Total Structure Area2,964 sq ft

Acres0.40 acres

Year Built1973

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryAlimacani

MiddleDuncan Fletcher

HighSandalwood

Community Information

Address13934 Shipwreck Circle N, Jacksonville, FL 32224

Area025-Intracoastal West-North Of Beach Blvd

SubdivisionHoliday Harbor

CityJacksonville

CountyDuval

StateFL

Zip Code32224

Lot Size17,424 sq ft

Parcel Number1674290000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage, Garage Door Opener, Off Street

ViewWater

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsMulti/Split

LaundryElectric Dryer Hookup, In Garage, Lower Level

Exterior

Exterior FeaturesFire Pit

Patio / PorchDeck, Front Porch

FencingBack Yard, Full, Privacy, Wood

RoofShingle

ConstructionBrick, Wood Siding

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedFebruary 5, 2026

Days on Market23

Tax Amount$6,288.33

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COWFORD REALTY & DESIGN LLC

Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)

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.

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