This home is in Queens Harbour, Jacksonville.

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Active

Active·112 days on market·Queens Harbour

1037 Shipwatch Drive E

Jacksonville, FL 32225

$2,100,000$436/sqftEst. $11,177/moMLS# 2136656

Beds

Baths

4,818

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Queens Harbour

Located within Queen's Harbour Yacht & Country Club, this custom-built contemporary Mediterranean residence offers approximately 4,818 SF with 4 bedrooms and 4.5 baths. Designed for entertaining, the first floor features a full wet bar with wine coolers and dishwasher, opening to an expansive lanai with pool, heated spa, fire pit, and outdoor kitchen. Multiple first-floor bedrooms include en-suite configurations ideal for guests or multigenerational living. Elevator located near the over sized 3-car garage and entrance. The second floor showcases the primary living areas including gourmet kitchen, formal dining, office, and primary suite, all positioned to maximize marsh and Intracoastal views. Spacious primary bath and dressing room/closet. Exceptional indoor-outdoor flow. Ideal for buyers seeking views, entertaining space, and flexible living layout.

Cost to own

Mortgage calculator

Home Price

$2,100,000

Down Payment: 20%

$420,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$10,608

Principal & Interest: $10,608

Est. Taxes & Insurance: $2,652

Estimated Total Monthly

$13,260

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$11,177

Property taxesest. at asking price, Duval County$3,429

HOAbilled quarterly$304

Estimated total, before insurance$14,910/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,127,831	$839,127	▲ $55,322
2024	$1,079,236	$814,771	▲ $15,595
2023	$1,332,103	$781,625	—
2022	$1,286,941	$757,403	—
2021	$1,088,566	$733,887	—
2020	$1,054,790	$723,065	—

Estimated taxes if purchased at asking price: ~$41,100/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 — 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: Tile — year not disclosed (home built 2006)

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: ~1,762 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 25, 2026Listed$2,100,000

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

Features

Price$2,100,000

Price / Sq Ft$436

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,818

Total Structure Area6,899 sq ft

Acres0.40 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesGas Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryNeptune Beach

MiddleLandmark

HighSandalwood

Community Information

Address1037 Shipwatch Drive E, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size17,424 sq ft

Lot Dimensions17,313 sq ft

Parcel Number167127-1515

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Boat Slip, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Marina, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewIntracoastal

Waterfront TypeIntracoastal

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Concrete, Marble, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundrySink

Spa FeaturesIn Ground, Heated