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 Jacksonville — a pool home in Jacksonville.

1 / 95

Active

Active·147 days on market

4040 Cove Saint Johns Road

Jacksonville, FL 32277

$649,900$195/sqftEst. $3,351/moMLS# 2134920

Beds

Baths

3,339

Sq Ft

1971

Built

Garage

Yes

Pool

About this home

Jacksonville

Rare Fort Caroline Pool Home Across from the Water Fully Renovated with Over 3,300 Sq Ft! Newly Renovated pool home just minutes from Jacksonville University, Restaurants, Shopping, Hospitals and more. This home has the space and separation you have been looking for! Entry level has a large open great room, eat in kitchen with an island, laundry room, access to the 2 car garage. Step down into a very large den area with a fireplace. A bonus room overlooking the pool area. The guest bathroom off the hall leading to one of the two owners suites. Upstairs off the living room are 3 guest bedrooms and a bathroom, along with the second owners suite. LVP flooring throughout. This room has a back entry garage. Built in swimming pool and ready for the summer festivities. Full Owners Suite on main floor and full owners suite on second floor! Schedule your showings today!

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,351

Principal & Interest: $3,351

Property taxes (est.): $1,061

Insurance (est.): $433

Estimated Total Monthly

$4,846

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,351

Property taxesest. at asking price, Duval County$1,061

Estimated total, before insurance$4,413/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,783/yr · $399/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	$247,949	$247,949	—
2024	$321,678	$305,732	▲ $20,540
2023	$312,128	$277,939	—
2022	$299,148	$252,672	▲ $26,524
2021	$229,702	$229,702	—
2020	$217,601	$217,601	▲ $2,210

2025 property taxes (current owner): $4,783/yr

Estimated taxes if purchased at asking price: ~$12,700/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: Shingle — year not disclosed (home built 1971)

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

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: ~1,702 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 13, 2026Listed$649,900

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

Features

Price$649,900

Price / Sq Ft$195

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,339

Acres0.31 acres

Year Built1971

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address4040 Cove Saint Johns Road, Jacksonville, FL 32277

Area041-Arlington

SubdivisionCove St Johns

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Lot Size13,503.6 sq ft

Parcel Number1114610000

Amenities

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesElectric Water Heater, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringVinyl

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup