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 Tidewater, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·164 days on market·Tidewater

5175 Clapboard Creek Drive

Jacksonville, FL 32226

$549,800$233/sqftEst. $2,841/moMLS# 2135569

Beds

Baths

2,355

Sq Ft

2016

Built

Garage

Pool

About this home

Tidewater

One of a kind - Rare Find!! 115-Feet of Waterfront with Stunning Sunset Views on Clapboard Creek. This 4-bedroom, 3-bath waterfront home in the gated Tidewater community on Jacksonville's Northside offers an open floor plan designed for comfortable coastal living. The layout works beautifully for families and guests with spacious living areas, a formal dining room, and an eat-in kitchen overlooking the main living space. 10-foot ceilings and crown molding throughout. Step outside to the screened patio that opens to a paver patio and firepit overlooking Clapboard Creek-perfect for relaxing and enjoying unforgettable sunsets. The lush flower beds attract butterflies and hummingbirds, adding to the natural charm. Exterior freshly painted January 2026, new HVAC October 2025, storm shutters, automatic roller shutter and underground powerlines. Located on or near Clapboard Creek, the Timucuan Preserve, and the St. Johns River.

Cost to own

Mortgage calculator

Home Price

$549,800

Down Payment: 20%

$109,960

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,841

Principal & Interest: $2,841

Property taxes (est.): $898

Insurance (est.): $367

Estimated Total Monthly

$4,105

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,841

Property taxesest. at asking price, Duval County$898

HOAbilled quarterly$83

Estimated total, before insurance$3,822/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,507/yr · $542/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	$591,624	$249,653	▲ $129,980
2024	$463,751	$241,910	▲ $30,095
2023	$451,839	$233,408	—
2022	$373,622	$225,154	▲ $36,211
2021	$286,436	$217,140	—
2020	$266,579	$211,596	—

2025 property taxes (current owner): $6,507/yr

Estimated taxes if purchased at asking price: ~$10,800/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 2016)

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

Solar potential: ~1,716 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 25, 2026Listed$549,800

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

Features

Price$549,800

Price / Sq Ft$233

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,355

Total Structure Area3,106 sq ft

Acres0.37 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryNew Berlin

MiddleOceanway

HighFirst Coast

Community Information

Address5175 Clapboard Creek Drive, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionTidewater

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size16,117.2 sq ft

Parcel Number1599422805

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewCreek/Stream, Protected Preserve, Trees/Woods, Water

Waterfront TypeCreek, Intracoastal, Marsh, Navigable Water, Ocean Access

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Security Lights, Smoke Detector(s)