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 James Island, Jacksonville — a waterfront home in Jacksonville.

1 / 19

Active Under Contract

Active Under Contract·52 days on market·James Island

11148 Turnbridge Drive

Jacksonville, FL 32256

$519,000$228/sqftEst. $2,668/moMLS# 2132935

Beds

Baths

2,278

Sq Ft

2000

Built

Garage

Pool

About this home

James Island

Enjoy peace of mind in this one-story home featuring a new roof (2026), AC (2025), and water heater (2024), offering major updates already completed. With just a bit of your personal touch and updating, this home has incredible potential to truly shine that offers an open floor plan. Relax with tranquil water views from the main living areas, filling the home with natural light and a true Florida feel. The split floor plan offers a spacious primary suite with a walk-in closet and private bath, while three additional bedrooms on the opposite side provide privacy and flexibility for guests, family, or a home office.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,668

Principal & Interest: $2,668

Property taxes (est.): $847

Insurance (est.): $346

Estimated Total Monthly

$3,862

*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$2,668

Property taxesest. at asking price, Duval County$847

HOAbilled quarterly$155

Estimated total, before insurance$3,671/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,702/yr · $392/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	$505,711	$235,224	—
2024	$465,011	$227,888	▲ $24,175
2023	$450,131	$219,795	—
2022	$392,163	$211,937	—
2021	$298,369	$204,308	—
2020	$291,296	$200,797	—

2025 property taxes (current owner): $4,702/yr

Estimated taxes if purchased at asking price: ~$10,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,756 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 6, 2026Active Under Contract$519,000
Jul 9, 2026Active$519,000

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

Features

Price$519,000

Price / Sq Ft$228

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,278

Total Structure Area2,924 sq ft

Acres0.36 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

MiddleTwin Lakes Academy

Community Information

Address11148 Turnbridge Drive, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionJames Island

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size15,681.6 sq ft

Parcel Number1677423925

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Gated, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Gated

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower

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

HeatingElectric

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne