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This home is in Tidal Pointe, Jacksonville — a gated community home in Jacksonville.

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Active

Active·135 days on market·Tidal Pointe

11451 White Cap Court

Jacksonville, FL 32256

$364,000$242/sqftEst. $1,871/moMLS# 2140568

Beds

Baths

1,507

Sq Ft

2019

Built

Garage

Pool

About this home

Tidal Pointe

Welcome to 11451 White Cap Court--where convenience meets effortless living! This end-unit townhome in a gated community with no CDD fees offers a low-maintenance lifestyle just minutes from the interstate, shopping, and dining. The open, light-filled layout features peaceful pond views and a seamless flow for everyday living and entertaining. The kitchen includes a large island, breakfast bar, breakfast nook, and spacious pantry. A split-bedroom design adds privacy, while the primary suite offers a walk-in closet and tiled walk-in shower. Interior features include ceiling fans, modern lighting, and a blend of carpet and vinyl flooring. Enjoy extra natural light, a fenced backyard with wrought iron detailing, and a spacious 2-car garage. Smart home features include a programmable thermostat, smart locks, and safety detectors. Community amenities include a pool, jogging path, gated entry, and trash service.

Cost to own

Mortgage calculator

Home Price

$364,000

Down Payment: 20%

$72,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,871

Principal & Interest: $1,871

Property taxes (est.): $594

Insurance (est.): $243

Estimated Total Monthly

$2,708

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,871

Property taxesest. at asking price, Duval County$594

HOAbilled monthly$342

Estimated total, before insurance$2,808/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,939/yr · $495/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	$334,770	$334,770	—
2024	$319,242	$319,242	—
2023	$330,563	$330,563	—
2022	$308,254	$308,254	—
2021	$251,789	$200,862	—
2020	$247,399	$197,399	—

2025 property taxes (current owner): $5,939/yr

Estimated taxes if purchased at asking price: ~$7,100/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: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,775 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

Price & status history

Apr 17, 2026Listed$364,000

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

Features

Price$364,000

Price / Sq Ft$242

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,507

Acres0.05 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTwin Lakes Academy

MiddleTwin Lakes Academy

HighAtlantic Coast

Community Information

Address11451 White Cap Court, Jacksonville, FL 32256

Area024-Baymeadows/Deerwood

SubdivisionTidal Pointe At Southside

CityJacksonville

CountyDuval

StateFL

Zip Code32256

Lot Size2,178 sq ft

Parcel Number1677405830

Amenities

AmenitiesPool, Gated, Jogging Path, Trash

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level