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 Tidewater, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·170 days on market·Tidewater

5140 Clapboard Creek Drive

Jacksonville, FL 32226

$735,000$209/sqftEst. $3,775/moMLS# 2133127

Beds

Baths

3,519

Sq Ft

2017

Built

Garage

Pool

About this home

Tidewater

Private backyard oasis overlooking tranquil water views is designed for year-round enjoyment offering a covered patio w/ a fully equipped summer kitchen, pergola, fire pit, and an extended paver patio -- perfect for relaxing evenings or hosting guests. Beautifully appointed 5-bedroom, 3.5-bath home w/a spacious loft perfectly positioned overlooking a serene pond. Blending style, function, & comfort, this residence offers thoughtfully designed living spaces & unforgettable outdoor amenities. Wood-look tile flooring flows throughout the main living areas, creating a warm & cohesive feeling. Gourmet kitchen is truly the heart of the home, featuring an oversized island w/ granite countertop, dbl ovens, ss appliances, an expansive walk-in pantry, & a generous butler's pantry. Ideal for entertaining & everyday living, the open concept is the perfect setting for gatherings large or small. Luxurious primary suite complete with a spa-inspired bath & two custom-organized walk-in closets.

Cost to own

Mortgage calculator

Home Price

$735,000

Down Payment: 20%

$147,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,775

Principal & Interest: $3,775

Property taxes (est.): $1,200

Insurance (est.): $490

Estimated Total Monthly

$5,465

*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$3,775

Property taxesest. at asking price, Duval County$1,200

HOAbilled annually$83

Estimated total, before insurance$5,058/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	$612,810	$310,451	▲ $39,699
2024	$575,615	$300,995	▲ $39,641
2023	$564,380	$290,772	—
2022	$478,163	$280,847	▲ $65,048
2021	$345,087	$271,211	—
2020	$321,368	$266,777	—

Estimated taxes if purchased at asking price: ~$14,400/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 2017)

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

Solar potential: ~1,592 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

Mar 4, 2026Listed$735,000

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

Features

Price$735,000

Price / Sq Ft$209

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,519

Acres0.47 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address5140 Clapboard Creek Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionTidewater

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size20,473.2 sq ft

Parcel Number1599424230

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Park, Playground, Tennis Court(s), Trash

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories2

LaundryUpper Level

SecuritySmoke Detector(s)