Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Marsh Landing, Jacksonville Beach — a pool home in Jacksonville.

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Pending

Pending·54 days on market·Marsh Landing

4427 Royal Tern Court

Jacksonville Beach, FL 32250

$1,945,000$437/sqftEst. $9,999/moMLS# 2128968

Beds

Baths

4,455

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Marsh Landing

Tucked along a quiet tidal creek in the heart of Marsh Landing Country Club, this waterfront residence unfolds as a retreat where everyday life feels intentionally slowed. Sunlight pours through soaring windows, reflecting off the water beyond and setting the tone the moment you step inside. The home offers more than 4,400 square feet of thoughtfully designed living space, where open gathering areas flow seamlessly into intimate retreats. A dramatic two story family room anchors the main living space, creating a natural place for connection while framing tranquil views of the backyard and creek. The kitchen has been reimagined with a fresh coastal sensibility, blending crisp white cabinetry, updated surfaces, and statement appliances including SubZero and Viking, all designed to support both daily living and effortless entertaining. The primary suite is a true sanctuary, privately positioned and paired with a beautifully updated bath that feels more spa than residence.

Cost to own

Mortgage calculator

Home Price

$1,945,000

Down Payment: 20%

$389,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$9,999

Principal & Interest: $9,999

Property taxes (est.): $3,176

Insurance (est.): $1,297

Estimated Total Monthly

$14,472

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$9,999

Property taxesest. at asking price, Duval County$3,176

HOAbilled quarterly$459

Estimated total, before insurance$13,634/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,824/yr · $1,069/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,543,440	$686,386	—
2024	$1,551,374	$666,194	▼ $3,016
2023	$1,498,787	$645,189	—
2022	$1,309,793	$624,796	▲ $191,322
2021	$979,177	$609,997	—
2020	$960,107	$600,885	—

2025 property taxes (current owner): $12,824/yr

Estimated taxes if purchased at asking price: ~$38,100/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2000)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,748 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.

History

Price & status history

Aug 24, 2026Pending$1,945,000
Feb 6, 2026Listed$1,945,000

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

Features

Price$1,945,000

Price / Sq Ft$437

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage4,455

Acres0.60 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

Direction FacesWest

Community Information

Address4427 Royal Tern Court, Jacksonville Beach, FL 32250

Area214-Jacksonville Beach-SW

SubdivisionMarsh Landing Cc

CityJacksonville Beach

CountyDuval

StateFL

Zip Code32250

Lot Size26,136 sq ft

Parcel Number1803659045

ZoningResidential

Amenities

AmenitiesBasketball Court, Gated, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewCanal

Waterfront TypeCanal Front, Navigable Water, Ocean Access

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityEntry Phone/Intercom, Gated with Guard, Smoke Detector(s)

Spa FeaturesIn Ground