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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 gated community home in Jacksonville.

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Sold

Sold·Closed Oct 8, 2026·163 days on market·Recent sales in Mandarin

4654 Julington Creek Road

Jacksonville, FL 32258

$1,200,000sold priceListed at $1,200,000 · 100% of asking$364/sqftMLS# 2135462
5
Beds
4
Baths
3,295
Sq Ft
1993
Built
3
Garage
Yes
Pool
FEMA Zone XNo HOA3.02 acresWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Roof: 2015, Ac:2018 & 2022, Water Heater: 2024, Deep Water Access + Two Boat Lifts, Whole House Generator. RARE 17 FT DEEP WATER ESTATE, 2 BOAT LIFTS, NEARLY 3 PRIVATE ACRES IN THE HEART OF JULINGTON CREEK. This is not just a home, it's a true waterfront lifestyle property built for those who want space, privacy, and the ability to keep a serious boat right in their backyard.Situated on nearly 3 acres of gated, secluded land, this 5-bedroom, 4-bath estate offers one of the most desirable and hard-to-find features in the area: 17 feet of water depth at the dock, capable of accommodating large vessels. With two boat lifts already in place, you're fully set up for effortless days on the water with direct access to the St. Johns River.

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$6,647
Property taxesest. at asking price, Duval County$1,959
Estimated total, before insurance$8,606/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,791/yr · $1,149/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

$1,200,000
$240,000
Loan Term
Monthly Payment
$6,647
Principal & Interest: $6,647
Property taxes (est.): $1,959
Insurance (est.): $800
Estimated Total Monthly
$9,406
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2015 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water (record)

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: ~1,495 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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

Last sold: $1,100,000 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$826,138$744,793▼ $17,800
2024$847,243$723,096▼ $3,231
2023$863,787$700,579—
2022$574,388$469,812—
2021$506,812$454,672—
2020$497,705$447,705—

2025 property taxes (current owner): $13,791/yr

Estimated taxes if purchased at asking price: ~$23,500/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 (2025), NEFMLS.

History

Price & status history

  • Oct 9, 2026Closed$1,200,000
  • Sep 21, 2026Active Under Contract$1,200,000
  • Sep 21, 2026Active$1,200,000
  • Aug 31, 2026Active Under Contract$1,200,000
  • Aug 22, 2026Price change$1,200,000−$90,000
  • Jul 13, 2026Price change$1,290,000−$60,000
  • Mar 18, 2026Listed$1,350,000

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 $260/sq ft; this home is listed at $364/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
4179 Burning Tree Lane S, Jacksonville, FL 32223Listed by ROUND TABLE REALTYAug 2026$630,000$2604/2.52,427740.8
12258 Deeder Lane, Jacksonville, FL 32258Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$795,000$2464/3.53,236141
376 N Lombardy Loop, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$800,000$2655/43,021671.1
824 Peppervine Avenue, St. Johns, FL 32259Listed by HOUSE & HAVENOct 2026$725,000$2615/42,77941.2
1104 Basil Branch Court, St. Johns, FL 32259Listed by REAL BROKER LLCSep 2026$880,000$2515/43,506851.2
1264 Ribbon Road, St. Johns, FL 32259Listed by ROUND TABLE REALTYOct 2026$485,000$2014/2.52,4081451.3

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$1,200,000
Price / Sq Ft$364
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,295
Acres3.02 acres
Year Built1993
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Fenced, Pool Sweep, Screen Enclosure
Is WaterfrontYes

Community Information

Address4654 Julington Creek Road, Jacksonville, FL 32258
Area014-Mandarin
SubdivisionMandarin
CityJacksonville
CountyDuval
StateFL
Zip Code32258
Lot Size131,551.2 sq ft
Parcel Number1590440100

Amenities

Community FeaturesFishing, Gated
UtilitiesSewer Available
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Circular Driveway, Garage, Gated, RV Access/Parking
ViewPool, River, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Nook, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LaundryIn Garage
SecuritySecurity Gate

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Lot DescriptionMany Trees, Wooded
Patio / PorchDeck, Screened
FencingFenced, Full
RoofShingle
Other StructuresGazebo
Road FrontageCity Street, Private Road

Additional Information

Date ListedSeptember 21, 2026
Days on Market163
Tax Amount$13,790.68
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ELITE REALTY GROUP

Sold by: REAL BROKER LLC (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 Oct 8, 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.

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20+ years · 500+ closings · NE Florida

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