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 Tidal Pointe, Jacksonville — a gated community home in Jacksonville.

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Active

Active·157 days on market·Tidal Pointe

11324 Breakers Bay Way

Jacksonville, FL 32256

$399,000$232/sqftEst. $2,051/moMLS# 2136921

Beds

Baths

1,722

Sq Ft

2020

Built

Garage

Pool

About this home

Tidal Pointe

Welcome to Tidal Pointe, a gated townhome community in the heart of it all! Ideally located walking distance to THE BLOCK JAX, near major interstates, premier shopping, dining, and medical facilities, this low-maintenance, lock-and-leave home offers convenience and comfort. Inside, the main level features an open family, dining, and kitchen area with all stainless steel appliances, plus a half bath. Upgrades galore including crown molding, custom lighting, oversized sink, and backsplash. Upstairs you'll find 3 spacious carpeted bedrooms, large walk in primary closet, double sinks and oversized walk in shower in the primary bath. Upstairs features a second full bath with a tub/shower combo, a convenient laundry room with washer and dryer, and a versatile loft space. Enjoy privacy with all bedrooms separated from living areas The rear-entry 2-car garage includes custom epoxy flooring and double hanging storage racks. A fenced front yard is perfect for pets. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,051

Principal & Interest: $2,051

Property taxes (est.): $652

Insurance (est.): $266

Estimated Total Monthly

$2,969

*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$2,051

Property taxesest. at asking price, Duval County$652

HOAbilled monthly$324

Estimated total, before insurance$3,027/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,555/yr · $380/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	$362,824	$245,911	—
2024	$345,405	$238,274	—
2023	$357,993	$229,878	—
2022	$334,303	$221,727	—
2021	$273,748	$213,813	—
2020	$50,000	$50,000	—

2025 property taxes (current owner): $4,555/yr

Estimated taxes if purchased at asking price: ~$7,800/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 — 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: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,778 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