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This home is in Isle of Palms, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·54 days on market·Isle of Palms

4250 Cordgrass Inlet Drive

Jacksonville, FL 32250

$950,000Est. $4,879/moMLS# 2140146

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Garage

Pool

About this home

Isle of Palms

Rare opportunity to own a waterfront homesite of this size in this highly sought-after area of Jacksonville. Approximately 0.5 acres (per tax roll; to be verified)--an exceptional find in 32250. Existing 3/2 home is move in ready all systems in working order, or easily removed. Enjoy expansive marsh views with no homes directly behind you, offering a level of privacy and natural beauty that is increasingly hard to find. The property sits along a wide, deep-water canal, ideal for boating and waterfront living. The property features a new vinyl seawall (2025, approx. 220+ ft; to be verified) and a covered boathouse (2020) with additional capacity to expand with more lifts and docking. This unique parcel offers ample space to design and build your dream home while still accommodating trailers, boats, and recreational equipment--something rarely found on waterfront lots in this area. Seller is a licensed Florida Real Estate Broker.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,879

Principal & Interest: $4,879

Property taxes (est.): $1,551

Insurance (est.): $633

Estimated Total Monthly

$7,063

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,879

Property taxesest. at asking price, Duval County$1,551

Estimated total, before insurance$6,430/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,410/yr · $618/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	$877,569	$330,484	▲ $30,868
2024	$829,494	$302,177	▲ $56,690
2023	$786,750	$291,920	▲ $91,520
2022	$680,289	$281,962	—
2021	$557,999	$257,865	—
2020	$549,863	$253,615	▲ $5,720

2025 property taxes (current owner): $7,410/yr

Estimated taxes if purchased at asking price: ~$18,600/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,781 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