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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·134 days on market

15489 Cape Drive N

Jacksonville, FL 32226

$580,000$213/sqftEst. $2,991/moMLS# 2136997

Beds

Baths

2,724

Sq Ft

1984

Built

Garage

Pool

About this home

Jacksonville

Rare waterfront renovation opportunity offering privacy, acreage and exceptional coastal potential. A long, winding driveway creates a private estate-style arrival to this distinctive brick home situated on 5.22 acres, with .88 acre of upland. The remaining natural marsh and water provide expansive views, abundant wildlife and a virtually maintenance-free backdrop. The home features covered breezeways, a fireplace, Florida room and a flexible guest, in-law or home-office wing. Bring your vision and transform this property into a private coastal retreat. With an acceptable offer, options may be available for a new roof and plumbing correction to be completed and paid at closing, allowing buyers to address major improvements without paying those costs upfront. Enjoy peaceful views of the tides, birds, wildlife and breathtaking sunsets, or explore the possibility of constructing a long dock to navigable water for boating.

Cost to own

Mortgage calculator

Home Price

$580,000

Down Payment: 20%

$116,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,991

Principal & Interest: $2,991

Property taxes (est.): $947

Insurance (est.): $387

Estimated Total Monthly

$4,325

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,991

Property taxesest. at asking price, Duval County$947

HOAbilled annually$3

Estimated total, before insurance$3,941/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,962/yr · $747/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	$481,836	$481,836	—
2024	$470,882	$175,716	▼ $182
2023	$486,025	$169,142	▲ $36,141
2022	$435,202	$162,760	▲ $17,381
2021	$365,511	$156,564	▲ $3,693
2020	$353,371	$153,713	▲ $17,789

2025 property taxes (current owner): $8,962/yr

Estimated taxes if purchased at asking price: ~$11,400/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 1984)

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

Likely septic · Private well (public 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: ~1,371 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.

History

Price & status history

Aug 8, 2026Price change$580,000−$5,000
Jul 25, 2026Price change$585,000−$5,000
Jul 9, 2026Price change$590,000−$5,000
Mar 27, 2026Listed$595,000

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

Features

Price$580,000

Price / Sq Ft$213

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,724

Acres5.22 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

Community Information

Address15489 Cape Drive N, Jacksonville, FL 32226

Area096-Ft George/Blount Island/Cedar Point

SubdivisionThe Cape

CityJacksonville

CountyDuval

StateFL

Zip Code32226

Lot Size227,383.2 sq ft

Parcel Number1084260810

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Available

SewerSeptic Tank

Water SourceWell

ParkingCircular Driveway, Garage

ViewCanal, Intracoastal, Protected Preserve, River, Trees/Woods

Waterfront TypeCanal Front, Intracoastal, Marsh, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDryer, Electric Oven, Microwave, Refrigerator, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Window FeaturesSkylight(s)

SecurityClosed Circuit Camera(s), Smoke Detector(s)