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 Isle of Palms, Jacksonville — a waterfront home in Jacksonville.

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Pending

Pending·170 days on market·Isle of Palms

4408 Tradewinds Drive

Jacksonville, FL 32250

$1,385,000$520/sqftEst. $7,120/moMLS# 2131346

Beds

Baths

2,665

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Isle of Palms

Welcome to your private waterfront retreat in highly desirable Isle of Palms. Ideally located near Mayo Clinic, premier shopping and dining, and just minutes from the beach, this canal-front residence offers the best of coastal living. Inside, enjoy a freshly painted interior with soaring ceilings, spacious living areas, and a cozy fireplace. The well-designed floor plan offers generous living and entertaining spaces, including a convenient first-floor primary suite. The kitchen is beautifully appointed with premium KitchenAid appliances. Upstairs, a loft opens to a private balcony and leads to generously sized secondary bedrooms. Outdoor living shines with a pool and spa, screened lanais, and a covered entertaining space with bar, grill, plumbing, and full bath--perfect after a day on the water. A private dock with boat lift provides direct canal access and includes a newer bulkhead and updated decking (4/30/2021).

Cost to own

Mortgage calculator

Home Price

$1,385,000

Down Payment: 20%

$277,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,120

Principal & Interest: $7,120

Property taxes (est.): $2,262

Insurance (est.): $923

Estimated Total Monthly

$10,305

*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$7,120

Property taxesest. at asking price, Duval County$2,261

Estimated total, before insurance$9,382/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$832,012	$454,336	▲ $26,746
2024	$808,879	$440,825	▲ $30,266
2023	$804,611	$426,530	▲ $51,336
2022	$728,028	$412,651	—
2021	$601,388	$399,176	—
2020	$589,967	$392,975	▲ $3,208

Estimated taxes if purchased at asking price: ~$27,100/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 — 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.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,754 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 15, 2026Pending$1,385,000
Mar 12, 2026Listed$1,385,000

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

Features

Price$1,385,000

Price / Sq Ft$520

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,665

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

Community Information

Address4408 Tradewinds Drive, Jacksonville, FL 32250

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionIsle Of Palms

CityJacksonville

CountyDuval

StateFL

Zip Code32250

Parcel Number180153-5580

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

ViewCanal

Waterfront TypeCanal Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level

Spa FeaturesIn Ground