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 Queens Harbour, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·162 days on market·Queens Harbour

798 Providence Island Court

Jacksonville, FL 32225

$689,500$241/sqftEst. $3,545/moMLS# 2136120

Beds

Baths

2,862

Sq Ft

2007

Built

Garage

Pool

About this home

Queens Harbour

LUXURY TOWNHOME IN NAVIGABLE WATER COMMUNITY! Experience luxury, low-maintenance living in the prestigious gated community of Queens Harbour Yacht & Country Club. One of the few townhomes in the community, this beautifully designed residence is ideal for downsizing without sacrificing lifestyle, comfort, or space. The flexible floorplan features two spacious primary suites on the second floor, each with private balconies, making it perfect for couples, individuals, or shared living arrangements. Enjoy quiet evenings on the expansive pavered lanai, while the detached Casita with guest quarters overlooks the marsh and community pond, offering privacy for guests or extended family. Providence Island Association dues include lawn care for true lock-and-go convenience. Queens Harbour amenities include tennis, pickleball, basketball, fitness center, and Olympic-size pool. Conveniently located less than 6 miles from Atlantic beaches, Mayo Clinic, and St. Johns Town Center shopping and dining.

Cost to own

Mortgage calculator

Home Price

$689,500

Down Payment: 20%

$137,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,545

Principal & Interest: $3,545

Property taxes (est.): $1,126

Insurance (est.): $460

Estimated Total Monthly

$5,130

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,545

Property taxesest. at asking price, Duval County$1,126

HOAbilled quarterly$304

Estimated total, before insurance$4,975/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,634/yr · $636/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	$602,813	$401,703	▼ $22,556
2024	$626,657	$389,675	▼ $22,692
2023	$533,258	$376,869	▲ $19,527
2022	$472,418	$364,436	—
2021	$381,912	$381,912	—
2020	$372,915	$279,665	—

2025 property taxes (current owner): $7,634/yr

Estimated taxes if purchased at asking price: ~$13,500/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.

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: Tile — year not disclosed (home built 2007)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,830 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 21, 2026Listed$689,500

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

Features

Price$689,500

Price / Sq Ft$241

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,862

Acres0.08 acres

Year Built2007

TypeResidential

Sub-TypeTownhouse

StyleOther

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address798 Providence Island Court, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size3,484.8 sq ft

Parcel Number1671210525

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Slip, Clubhouse, Fitness Center, Gated, Golf Course, Marina, Pickleball, Playground, Security, Tennis Court(s), Water

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Other

Waterfront TypeMarsh, Pond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral, Propane

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)