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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 Queens Harbour, Jacksonville — a waterfront home in Jacksonville.

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Sold

Sold·Closed Jun 30, 2026·64 days on market·Recent sales in Queens Harbour·Queens Harbour

1326 Charter Court E

Jacksonville, FL 32225

$2,520,000sold priceListed at $2,795,000 · 90.2% of asking$495/sqftMLS# 2140703
5
Beds
6.5
Baths
5,091
Sq Ft
2001
Built
3
Garage
Yes
Pool

3 more homes for sale in Queens Harbour →Search Queens Harbour on the map

HOA $373/mo0.41 acresWaterfrontSingle Family Residence2 stories

About this home

Queens Harbour

Dazzling waterfront estate in Queen's Harbour, Entertainer's Dream with over 5,000 sq.ft., 5 BR and 7 Baths, private 42 ft dock, Summer Kitchen overlooking heated pool and spa under screen, luxurious down Owner's Suite w sitting area, jet tub, pool access, plus upstairs private Guest Suite and 3 full BR with ensuite Baths. Your private oasis includes Game Room w tranquil balcony, Great Room w Fireplace, Gourmet Kitchen, sliding glass doors with electric privacy screen, Travertine tile and hardwood throughout. Whole home audio and intercom, installed fiberoptic cable and hardwired Security system, Tesla charger in 3 car heated/cooled garage, brand new paver driveway and side path, brand new whole home generator, newer Roof and all 3 A/Cs, water filtration, 2 closet safes. HOA fee includes Tennis, Pickleball. Basketball, Jr Olympic pool, Fitness Center, Pavilion, Playground. Optional Country Club Golf, Yacht Club memberships, many events yearlong. Make this Oasis your dream home today!

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$13,958
Property taxesest. at asking price, Duval County$4,115
HOAbilled quarterly$373
Estimated total, before insurance$18,446/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,012/yr · $1,584/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

$2,520,000
$504,000
Loan Term
Monthly Payment
$13,958
Principal & Interest: $13,958
Property taxes (est.): $4,115
Insurance (est.): $1,680
Estimated Total Monthly
$19,753
*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 2001)

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

Solar potential: ~1,782 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,621,885$1,040,626▲ $137,490
2024$1,489,756$1,010,591▲ $34,705
2023$1,267,187$979,700—
2022$1,233,771$949,709—
2021$1,068,330$920,592▲ $51,336
2020$957,192$907,192—

2025 property taxes (current owner): $19,012/yr

Estimated taxes if purchased at asking price: ~$49,400/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.

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 $401/sq ft; this home is listed at $549/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1243 Windsor Harbor Drive, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATEApr 2026$1,750,000$4015/44,3631340.1
1372 Windsor Harbor Drive, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$1,300,000$3085/44,224270.2
1126 Shipwatch Drive E, Jacksonville, FL 32225Listed by FLUID REALTY, LLC.Aug 2026$2,950,000$5036/6.55,860180.2
1244 Windsor Harbor Drive, Jacksonville, FL 32225Listed by FLUID REALTY, LLC.Jun 2026$1,725,000$4244/44,0693490.2
1037 Shipwatch Drive E, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$1,800,000$3744/4.54,8181500.3
1049 Shipwatch Drive E, Jacksonville, FL 32225Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$1,550,000$3173/44,882620.3

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$2,795,000
Price / Sq Ft$549
Bedrooms5
Bathrooms6.50
Full Baths6
Half Baths1
Square Footage5,091
Total Structure Area6,788 sq ft
Acres0.41 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Fenced, Heated, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontYes

School Information

Community Information

Address1326 Charter Court E, Jacksonville, FL 32225
Area043-Intracoastal West-North Of Atlantic Blvd
SubdivisionQueens Harbour
CityJacksonville
CountyDuval
StateFL
Zip Code32225
Lot Size17,859.6 sq ft
Parcel Number1671278852
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Dock, Boat Slip, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Management- On Site, Marina, Pickleball, Playground, Security, Tennis Court(s), Trash
Community FeaturesSidewalks, Fishing, Gated
UtilitiesCable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Circular Driveway, Electric Vehicle Charging Station(s), Garage, Garage Door Opener
ViewLake, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned, Wine Cooler
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Multi Units, Wall/Window Unit(s), Zoned
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup
Window FeaturesSkylight(s)
SecurityCarbon Monoxide Detector(s), Entry Phone/Intercom, Fire Alarm, Gated with Guard, Security Fence, Security Gate, Security System Owned, Smoke Detector(s)
Spa FeaturesHeated

Exterior

Exterior FeaturesBalcony, Dock, Outdoor Kitchen, Outdoor Shower
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchDeck, Patio, Rear Porch, Screened, Terrace
FencingBack Yard, Wrought Iron, Other
RoofShingle
ConstructionStucco
Other StructuresOutdoor Kitchen, Workshop
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedApril 18, 2026
Days on Market64
HOA Fees$1,119 / Quarterly
HOA FrequencyQuarterly
HOA NameQueen's Harbour Owners Association Inc.
HOA Fee IncludesSecurity
Tax Amount$19,012.11
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PREMIER HOMES REALTY INC

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.

The neighborhood

About Queens Harbour

Queens Harbour is a neighborhood in Jacksonville, FL (Duval County), ZIP 32225.

View all Queens Harbour homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 30, 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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