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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.

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Sold

Sold·Closed Aug 12, 2026·127 days on market·Recent sales in Jacksonville

16175 Dowing Creek Drive

Jacksonville, FL 32218

$300,000sold priceListed at $310,000 · 96.8% of asking$167/sqftMLS# 2135129
4
Beds
2
Baths
1,798
Sq Ft
2016
Built
—
Garage
No
Pool
FEMA Zone XHOA $6/mo5,227 sqft lotSingle Family Residence1 story

About this home

Jacksonville

Move in ready! (See Private Remarks) 4 bed/2 bath, 2 car garage - Located in YELLOW BLUFF LANDING Community Northside Oceanway Jacksonville, Florida - Fenced yard with screened porch. Upgrades include granite countertops, pendant lights, tile, ceiling fans, whole home water softener and stainless steel appliances, automated sprinkler system! Amenity Center with resort style swimming pool, kid's splash park, dog park, basketball courts, soccer field and tennis courts. Centrally located near Military Bases (Kings Bay, Mayport and NAS Jax) Beaches including Amelia, Fernandina, Huguenot within 30 minutes, boat ramp 5 minutes away!.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,662
Property taxesest. at asking price, Duval County$490
HOAbilled annually$6
Estimated total, before insurance$2,158/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,873/yr · $406/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$300,000
$60,000
Loan Term
Monthly Payment
$1,662
Principal & Interest: $1,662
Property taxes (est.): $490
Insurance (est.): $200
Estimated Total Monthly
$2,352
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2016)

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: ~1,737 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.

Cost to own

Taxes & assessment

Last sold: $344,500 in April 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$273,696$157,736—
2024$264,760$152,584▲ $9,512
2023$285,143$285,143—
2022$246,160$137,779▲ $19,563
2021$192,005$132,310—
2020$181,521$129,793—

2024 property taxes (current owner): $4,873/yr

Estimated taxes if purchased at asking price: ~$5,900/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.

History

Price & status history

  • Aug 14, 2026Closed$310,000
  • Jul 21, 2026Pending$310,000
  • Mar 16, 2026Listed$310,000

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

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 $201/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
16190 Kayla Cove Court, Jacksonville, FL 32218Listed by EXP REALTY LLCSep 2026$315,000$1833/21,720190.1
16194 Magnolia Grove Way, Jacksonville, FL 32218Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMSSep 2026$324,900$2113/21,540430.2
169 Asbury Hill Court, Jacksonville, FL 32218Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYAug 2026$300,000$1633/21,8363070.2
15822 Tisons Bluff Road, Jacksonville, FL 32218Listed by CONVENE REALTYSep 2026$415,000$2033/22,04030.3
16479 McNair Branch Circle, Jacksonville, FL 32218Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Sep 2026$429,000$2014/32,13910.4
16421 Tisons Blf Road, Jacksonville, FL 32218Listed by EXP REALTY LLCSep 2026$307,000$1654/21,860630.5

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$310,000
Price / Sq Ft$172
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,798
Acres0.12 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address16175 Dowing Creek Drive, Jacksonville, FL 32218
Area092-Oceanway/Pecan Park
SubdivisionYellow Bluff Hideaway
CityJacksonville
CountyDuval
StateFL
Zip Code32218
Lot Size5,227.2 sq ft
Parcel Number1080952220

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Exterior FeaturesOther

Additional Information

Date ListedMarch 16, 2026
Days on Market127
HOA Fees$75 / Annually
HOA FrequencyAnnually
Tax Amount$4,873
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEYCOME OF FLORIDA LLC

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 Aug 12, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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