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 Queens Harbour, Jacksonville — a gated community home in Jacksonville.

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Active

Active·193 days on market·Queens Harbour

1370 Moss Creek Drive

Jacksonville, FL 32225

$7,000,000$922/sqftEst. $35,987/moMLS# 2129707

Beds

Baths

7,594

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Queens Harbour

QUEENS HARBOUR EXCLUSIVE! A truly rare opportunity to own a Privately Gated Estate set on nearly 5 ACRES with NO HOA, featuring an additional 2-bed Guest Residence, all within the prestigious Queens Harbour Community!!! Offering exceptional privacy, tidal creek frontage, and navigable access toward the Intracoastal Waterway, this extraordinary property presents a unique blend of European-inspired elegance, architectural character, waterfront living, and timeless appeal in one of Jacksonville's most desirable locations! Optional membership to Queens Harbour Yacht and Country Club offers exclusive access to the marina, premier golf, tennis, pickleball, a resort-style pool, fine dining, and vibrant year-round social programming. The Residence and Grounds have been extensively renovated inside and out, preserving its timeless architectural character, while introducing a Royal-Inspired Style with modern updates, high-quality finishes, and amenities suited for modern living.

Cost to own

Mortgage calculator

Home Price

$7,000,000

Down Payment: 20%

$1,400,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$35,987

Principal & Interest: $35,987

Property taxes (est.): $11,430

Insurance (est.): $4,667

Estimated Total Monthly

$52,084

*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$35,987

Property taxesest. at asking price, Duval County$11,430

Estimated total, before insurance$47,417/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$62,569/yr · $5,214/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

Last sold: $3,500,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$3,485,165	$3,485,165	▲ $183,340
2024	$3,319,867	$3,319,867	▲ $140,837
2023	$2,992,219	$2,992,219	▲ $459,038
2022	$697,987	$563,832	—
2021	$694,817	$545,954	—
2020	$687,897	$537,726	—

2025 property taxes (current owner): $62,569/yr

Estimated taxes if purchased at asking price: ~$137,200/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 2000)

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

Likely septic · Public water (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).

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

Feb 18, 2026Listed$7,000,000

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

Features

Price$7,000,000

Price / Sq Ft$922

Bedrooms5

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage7,594

Acres4.84 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

School Information

ElementaryNeptune Beach

MiddleLandmark

HighSandalwood

Community Information

Address1370 Moss Creek Drive, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size210,830.4 sq ft

Parcel Number1671190210

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Propane, Other

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAdditional Parking, Circular Driveway, Detached, Garage Door Opener, Gated, RV Access/Parking

ViewIntracoastal, Lake, River, Water

Waterfront TypeMarsh, Navigable Water, River Access

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Washer/Dryer Stacked, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Marble, Tile, Wood

FireplaceYes

# of Fireplaces4

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecuritySecurity Fence, Security Gate, Security System Owned

Spa FeaturesBath