This home is in Queens Harbour, Jacksonville.

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Active

Active·79 days on market·Queens Harbour

13656 Charter Court

Jacksonville, FL 32225

$2,900,000$564/sqftEst. $15,435/moMLS# 2142100

Beds

Baths

5,145

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Queens Harbour

Tucked behind the gates of prestigious Queen's Harbour Yacht & Country Club, this exceptional waterfront estate offers a refined blend of timeless architecture, luxury upgrades, and the coveted Florida boating lifestyle. Positioned along the private freshwater lagoon, the property features a 40-foot private dock with power and water, located just minutes from the community's exclusive lock system--providing direct access to the Intracoastal Waterway and the Atlantic Ocean. Spanning approximately 5,145 square feet, this exceptional residence offers five en-suite bedrooms and two half baths, thoughtfully designed for both sophisticated everyday living and grand-scale entertaining. Sun-drenched interiors are enhanced by soaring ceilings, elegant architectural details, and seamless transitions between indoor and outdoor spaces.The owner's suite is a serene escape, showcasing peaceful water views, a spa-inspired bath, and expansive closet space. At the heart of the home, the chef's kitchen

Cost to own

Mortgage calculator

Home Price

$2,900,000

Down Payment: 20%

$580,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$14,649

Principal & Interest: $14,649

Est. Taxes & Insurance: $3,662

Estimated Total Monthly

$18,311

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$15,435

Property taxesest. at asking price, Duval County$4,735

HOAbilled quarterly$373

Estimated total, before insurance$20,543/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	$1,779,281	$1,750,926	▲ $148,950
2024	$1,637,944	$1,591,751	▲ $41,911
2023	$1,447,047	$1,447,047	—
2022	$1,411,746	$1,411,746	▼ $192,141
2021	$1,222,863	$991,914	▲ $48,123
2020	$1,102,567	$977,529	—

2025 property taxes (current owner): $31,630/yr

Estimated taxes if purchased at asking price: ~$56,800/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2001)

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: ~1,765 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

Price & status history

Apr 27, 2026Listed$2,900,000

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

Features

Price$2,900,000

Price / Sq Ft$564

Bedrooms5

Bathrooms6.00

Full Baths5

Half Baths2

Square Footage5,145

Total Structure Area6,401 sq ft

Acres0.57 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Pool Sweep, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryNeptune Beach

MiddleLandmark

HighSandalwood

Community Information

Address13656 Charter Court, Jacksonville, FL 32225

Area043-Intracoastal West-North Of Atlantic Blvd

SubdivisionQueens Harbour Cc

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size24,829.2 sq ft

Lot Dimensions24668 SF

Parcel Number1671278842

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Marina, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage

ViewPool, Water

Waterfront TypeIntracoastal, Lagoon, Navigable Water, Ocean Access, River Access

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Split System

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundrySink

Spa FeaturesIn Ground, Heated