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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Apr 30, 2026·22 days on market·Recent sales in Jacksonville

11900 Harbour Cove Drive S

Jacksonville, FL 32225

$485,000sold priceListed at $480,000 · 101% of asking$192/sqftMLS# 2133411
4
Beds
2.5
Baths
2,523
Sq Ft
1998
Built
2
Garage
No
Pool
HOA $57/mo9,583 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Jacksonville

Waterfront living in a quiet, established community on Jacksonville's desirable east side. This split-level home offers an open concept layout with a spacious living area centered around a cozy fireplace and an enclosed Florida room that extends the living space and provides relaxing water views. The kitchen features granite countertops, abundant cabinet storage, and great flow for everyday living or entertaining. The first-floor primary suite adds convenience and privacy, complete with an updated en-suite bath, while additional bathrooms have also been tastefully updated. Step outside to enjoy peaceful waterfront scenery in a neighborhood with community amenities including a pool and tennis courts. Located near parks, boat ramps, and the Intracoastal Waterway, with easy access to shopping, dining, and beaches just a short drive away. 4 bedrooms, 2.5 bathrooms.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,665
Property taxesest. at asking price, Duval County$792
HOAbilled quarterly$57
Estimated total, before insurance$3,514/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,362/yr · $530/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).

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,362/yr

Estimated taxes if purchased at asking price: ~$9,500/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, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $190/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4042 Harbour Cove Drive, Jacksonville, FL 32225Listed by FLUID REALTY, LLC.Jul 2026$620,000$2273/3.52,73230.3
3953 Arbor Bluff Lane E, Jacksonville, FL 32225Listed by RIVER CITY RENTALS AND REALTYAug 2026$449,000$2544/21,768100.4
4276 Stratford Way, Jacksonville, FL 32225Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Aug 2026$529,000$2183/22,429550.4
11257 Portside Drive, Jacksonville, FL 32225Listed by HOMECOIN.COMSep 2026$800,000$2604/33,0751100.6
4432 Hartman Road, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$395,000$1664/2.52,38030.6
4425 Beacon Drive W, Jacksonville, FL 32225Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$553,000$2204/2.52,519670.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$480,000
Price / Sq Ft$190
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,523
Acres0.22 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryDon Brewer, reported on 6 other The Valley listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address11900 Harbour Cove Drive S, Jacksonville, FL 32225
Area042-Ft Caroline
SubdivisionThe Valley
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size9,583.2 sq ft
Parcel Number1606718212

Amenities

AmenitiesPool, Playground, Tennis Court(s)
UtilitiesWater Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsMulti/Split
LaundryIn Unit

Exterior

Patio / PorchGlass Enclosed

Additional Information

Date ListedMarch 5, 2026
Days on Market22
HOA Fees$170 / Quarterly
HOA FrequencyQuarterly
Tax Amount$6,362.31
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Sold by: REALTY ONE GROUP ELEVATE (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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