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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed May 26, 2026·9 days on market·Recent sales in New Construction — Jacksonville

2439 Pirate Court

Jacksonville, FL 32224

$851,500sold priceListed at $789,000 · 107.9% of asking$465/sqftMLS# 2139301
3
Beds
2
Baths
1,832
Sq Ft
1974
Built
2
Garage
Yes
Pool
No HOA13,068 sqft lotWaterfrontSingle Family Residence1 story

About this home

Jacksonville

Set along 130 ft of tidal canal waterfront with direct access to the Intracoastal from this beautifully maintained property, ideally situated on an oversized .33-acre lot with no HOA. Designed for both relaxation and recreation, the property features a 16,000 lb boat lift, floating dock with drive-up jet ski docking, and a reinforced bulkhead with deadman wall--providing convenience and long-term peace of mind for waterfront living. Fully fenced backyard creates a private outdoor retreat, complete with a saltwater pool, expansive pavered deck, and tiki hut--ideal for entertaining or unwinding while taking in the waterfront setting. Integrated indoor and outdoor audio enhances the experience, with surround sound wiring inside and exterior Bose speakers in the pool area. Enjoy your coffee on the dock with frequent wildlife sightings, including manatees, otters, and a variety of native coastal birds. Inside, the home features custom granite in the kitchen and both bathrooms.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,716
Property taxesest. at asking price, Duval County$1,390
Estimated total, before insurance$6,107/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,537/yr · $461/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$851,500
$170,300
Loan Term
Monthly Payment
$4,716
Principal & Interest: $4,716
Property taxes (est.): $1,390
Insurance (est.): $568
Estimated Total Monthly
$6,674
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1974)

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

Solar potential: ~1,754 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

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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$681,254$281,240—
2024$596,020$270,272▲ $164,972
2023$444,244$260,944▲ $8,927
2022$421,601$251,888—
2021$367,981$243,096—
2020$358,772$239,050—

2025 property taxes (current owner): $5,537/yr

Estimated taxes if purchased at asking price: ~$16,700/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $264/sq ft; this home is listed at $431/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2679 Treasure Cove Lane, Jacksonville, FL 32224Listed by HOME SOLD REALTY LLCSep 2026$518,000$2643/21,96520.4
2145 Grassy Basin Court, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$570,000$2824/22,020750.5
13234 S Companion Circle, Jacksonville, FL 32224Listed by RE/MAX SPECIALISTSSep 2026$365,000$1893/21,9351350.9
13253 Mendenhall Place, Jacksonville, FL 32224Listed by COMPASS FLORIDA LLCOct 2026$392,750$3023/21,301971
13725 Macapa Road, Jacksonville, FL 32224Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$345,000$1454/22,382581.1
13723 Coral Drive, Jacksonville, FL 32224Listed by RPB REALTY,INCSep 2026$429,900$2283/2.51,88321.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$789,000
Price / Sq Ft$431
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,832
Total Structure Area2,346 sq ft
Acres0.30 acres
Year Built1974
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontYes
Direction FacesWest

School Information

Community Information

Address2439 Pirate Court, Jacksonville, FL 32224
Area025-Intracoastal West-North Of Beach Blvd
SubdivisionHoliday Harbor
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size13,068 sq ft
Lot Dimensions129 X 117
Parcel Number1673890000
ZoningResidential

Amenities

UtilitiesSewer Connected
Water SourcePublic
ParkingAttached, Detached Carport, Garage, RV Access/Parking, Other
ViewCanal

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingAttic Fan, Central Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesBoat Lift, Dock
Lot DescriptionCul-De-Sac, Dead End Street, Sprinklers In Rear
RoofShingle
ConstructionBrick
Other StructuresShed(s)

Additional Information

Date ListedApril 10, 2026
Days on Market9
Tax Amount$5,536.69
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REALTY ONE GROUP ELEVATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 26, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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