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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·169 days on market

5480 Cedar Point Road

Jacksonville, FL 32226

$440,000$382/sqftEst. $2,243/moMLS# 2130467

Beds

Baths

1,152

Sq Ft

1977

Built

—

Garage

Pool

About this home

Jacksonville

Water front, 1.54 Acres located inside Bogey Creek Preserve (1 of 4) just minutes from parks, boat ramps, and local conveniences. Discover the perfect blend of space, comfort, and privacy at this inviting home on Cedar Point Road. Property Inside, you'll find a bright and open layout with well-appointed living areas ideal for everyday living or entertaining. The spacious kitchen, comfortable bedrooms, and flexible common spaces provide room to grow and personalize. Outdoors, enjoy a large yard with plenty of potential for gardening, recreation, or future enhancements. The property connects to all trails in Bogey Creek preserve. Whether you're seeking a quiet retreat or a home with room to expand, this property delivers a rare opportunity in a desirable Jacksonville location.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $718

Insurance (est.): $293

Estimated Total Monthly

$3,255

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,243

Property taxesest. at asking price, Duval County$718

Estimated total, before insurance$2,962/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,138/yr · $95/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	$118,853	$35,006	—
2024	$114,964	$33,312	▲ $4,107
2023	$123,846	$30,886	—
2022	$118,912	$28,531	—
2021	$99,950	$26,244	▲ $8,400
2020	$88,550	$25,192	▲ $6,354

2025 property taxes (current owner): $1,138/yr

Estimated taxes if purchased at asking price: ~$8,600/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: Shingle — year not disclosed (home built 1977)

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: ~1,485 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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