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

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Active

Active·120 days on market

7156 Ramoth Drive

Jacksonville, FL 32226

$2,330,000$459/sqftEst. $12,016/moMLS# 2135092

Beds

Baths

5,072

Sq Ft

1999

Built

Garage

Pool

About this home

Jacksonville

Set on over HALF AN ACRE LOT with approximately 160 FEET of direct frontage along the ST.JOHNS RIVER, this exceptional waterfront property offers expansive views and DEEP WATER ACCESS, private DOCK AND BOAT RAMP--ideal for effortless boating WITHOUT TIDAL LIMITATIONS. Tucked away in a quiet community with no HOA, the property is fenced with an automatic gate, offering a serene outdoor setting with wide-open views, coastal breezes, and a natural shoreline that reveals a SANDY BEACH AT LOW TIDE. The interior is filled with natural sunlight and thoughtfully updated for comfort and efficiency. It features a geothermal HVAC system, updated insulated ductwork, LED lighting, and Pella double-pane, Low-E, impact-rated windows. Additional interior highlights include luxury vinyl plank flooring and a newly installed 1,000 lb capacity cable elevator. The open-concept kitchen overlooks the living areas and the river, boasting updated cabinetry, quartz countertops and backsplash

Cost to own

Mortgage calculator

Home Price

$2,330,000

Down Payment: 20%

$466,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$12,016

Principal & Interest: $12,016

Property taxes (est.): $3,805

Insurance (est.): $1,553

Estimated Total Monthly

$17,373

*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$12,016

Property taxesest. at asking price, Duval County$3,805

Estimated total, before insurance$15,820/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,744/yr · $1,562/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	$1,110,810	$1,023,978	—
2024	$1,098,818	$994,413	▼ $538
2023	$1,106,725	$963,994	—
2022	$1,035,582	$931,659	▼ $108,894
2021	$1,036,612	$1,021,555	▲ $84,254
2020	$928,687	$928,687	—

2025 property taxes (current owner): $18,744/yr

Estimated taxes if purchased at asking price: ~$45,700/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1999)

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

Likely septic · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,811 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 7, 2026Price change$2,330,000−$10,000
Apr 10, 2026Listed$2,340,000

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

Features

Price$2,330,000

Price / Sq Ft$459

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage5,072

Acres0.54 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address7156 Ramoth Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionHeckscher Drive Est

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size23,522.4 sq ft

Parcel Number1601710000

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Gated

ViewRiver, Water

Waterfront TypeNavigable Water, River Access, River Front, Seawall

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Eat-in Kitchen, Elevator, His and Hers Closets, In-Law Floorplan, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecuritySecurity Gate, Smoke Detector(s)