This home is in Tidal Pointe, Jacksonville.

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Active·100 days on market·Tidal Pointe

11475 Surfline Court

Jacksonville, FL 32256

$374,500$242/sqftEst. $1,993/moMLS# 2138777

Beds

Baths

1,546

Sq Ft

2019

Built

Garage

Pool

About this home

Tidal Pointe

This beautiful two story town home is located in the heart of Jacksonville with easy access to JTB and Interstate 295. It offers an open kitchen to the family room on the first level-perfect for entertaining guests! You will absolutely love cooking in updated modern kitchen. Upstairs, you will find 3 large bedrooms. The spacious master with a huge owner's closet, combined with the large owner's bathroom, you will find this a perfect retreat! The home also has a full two car garage. Enjoy a stress-free and luxurious lifestyle in a new Townhome at Tidal Pointe at Southside Quarter.

Cost to own

Mortgage calculator

Home Price

$374,500

Down Payment: 20%

$74,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,904

Principal & Interest: $1,904

Est. Taxes & Insurance: $476

Estimated Total Monthly

$2,379

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,993

Property taxesest. at asking price, Duval County$612

HOAbilled monthly$342

Estimated total, before insurance$2,947/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	$334,293	$334,293	—
2024	$318,787	$318,787	—
2023	$330,091	$215,733	—
2022	$307,806	$207,994	—
2021	$251,404	$200,480	—
2020	$247,022	$197,022	—

Estimated taxes if purchased at asking price: ~$7,300/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,774 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