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 Jacksonville — a waterfront home in Jacksonville.

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Active

Active·196 days on market

5895 Sheffield Road

Jacksonville, FL 32226

$875,000Est. $4,494/moMLS# 2129066

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville

This private 2.38-acre homesite offers panoramic views of tidal Clapboard Creek, providing direct navigable access to the St. Johns River and the Atlantic Ocean. The property is cleared and ready for construction, featuring several mature trees and a private dock equipped with a boat lift—perfect for fishing or launching jet skis. With no HOA restrictions, this lot is ideal for a luxury waterfront estate or a coastal cottage retreat. Please note that private utilities, including a well and septic system, will be required.

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,494

Principal & Interest: $4,494

Property taxes (est.): $1,429

Insurance (est.): $583

Estimated Total Monthly

$6,506

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,494

Property taxesest. at asking price, Duval County$1,429

Estimated total, before insurance$5,922/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,881/yr · $1,490/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	$384,935	$81,647	—
2025	$987,942	$987,942	▲ $391,625
2024	$375,973	$78,498	—
2024	$596,530	$142,597	▼ $135
2023	$429,107	$74,610	—
2023	$601,898	$136,988	—
2022	$288,091	$75,835	—
2022	$595,867	$131,542	—
2021	$244,465	$72,170	—
2021	$574,573	$126,255	▲ $4,346
2020	$220,932	$70,483	—
2020	$531,218	$123,822	—

2025 property taxes (current owner): $17,881/yr

Estimated taxes if purchased at asking price: ~$17,100/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified

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

Likely septic · Private well (public record)

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: ~1,656 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