This home is in Jacksonville.

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Active Under Contract

Active Under Contract·105 days on market

14859 Bonefish Drive

Jacksonville, FL 32250

$3,999,000$1079/sqftEst. $21,284/moMLS# 2137516

Beds

Baths

3,706

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Jacksonville

Set within the gated enclave of Palm Island, this exceptional custom waterfront home offers sweeping salt marsh and Intracoastal views. J Turner furnished and truly turnkey, the open-concept layout features a gourmet kitchen with custom beams, large island, quartz countertops, premium appliances, and floor-to-ceiling cabinetry. 16' sliders open to a covered lanai for seamless indoor-outdoor living. A dramatic two-story foyer and wall of windows capture natural light and sunsets, while the great room showcases a brick gas fireplace with custom seating. The primary suite is on the main level with water views, spa-style bath, soaking tub, dual showers, and custom closets. Upstairs includes a loft and three bedrooms with balcony access. Enjoy a saltwater pool, summer kitchen, fire pit, and private dock with covered boathouse (40' lift) for deepwater Intracoastal access. Minutes to Mayo Clinic and the beach--just bring your boat.

Cost to own

Mortgage calculator

Home Price

$3,999,000

Down Payment: 20%

$799,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$20,200

Principal & Interest: $20,200

Est. Taxes & Insurance: $5,050

Estimated Total Monthly

$25,250

*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$21,284

Property taxesest. at asking price, Duval County$6,530

HOAbilled annually$202

Estimated total, before insurance$28,016/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

Last sold: $3,400,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$2,676,414	$2,125,692	▲ $334,643
2024	$2,349,865	$2,299,865	▼ $2,481
2023	$2,436,700	$2,373,757	—
2022	$344,812	$344,812	—
2021	$344,812	$344,812	▲ $12,960
2020	$331,852	$331,852	—

2025 property taxes (current owner): $38,289/yr

Estimated taxes if purchased at asking price: ~$78,400/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 2022)

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

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

Apr 1, 2026Listed$3,999,000

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

Features

Price$3,999,000

Price / Sq Ft$1,079

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,706

Total Structure Area5,169 sq ft

Acres0.82 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

Direction FacesSouth

School Information

ElementarySeabreeze

MiddleDuncan Fletcher

HighDuncan Fletcher

Community Information

Address14859 Bonefish Drive, Jacksonville, FL 32250

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionPalm Island

CityJacksonville

CountyDuval

StateFL

Zip Code32250

Lot Size35,719.2 sq ft

Parcel Number1803490180

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewCanal, Intracoastal

Waterfront TypeIntracoastal

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level, Upper Level

Security24 Hour Security, Key Card Entry, Security Gate