This home is in Queens Harbour, Jacksonville — a golf course home in Jacksonville.
Active·170 days on market·Queens Harbour
13656 Charter Court
Jacksonville, FL 32225
6 more homes for sale in Queens Harbour →Search Queens Harbour on the map
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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
Next steps in Queens Harbour
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:27 AM, sunset 6:56 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
| 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.
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.
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 $564/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1372 Windsor Harbor Drive, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $1,300,000 | $308 | 5/4 | 4,224 | 27 | 0.1 |
| 1326 Charter Court E, Jacksonville, FL 32225Listed by PREMIER HOMES REALTY INC | Jun 2026 | $2,520,000 | $495 | 5/6.5 | 5,091 | 64 | 0.1 |
| 1244 Windsor Harbor Drive, Jacksonville, FL 32225Listed by FLUID REALTY, LLC. | Jun 2026 | $1,725,000 | $424 | 4/4 | 4,069 | 349 | 0.2 |
| 1243 Windsor Harbor Drive, Jacksonville, FL 32225Listed by THE LEGENDS OF REAL ESTATE | Apr 2026 | $1,750,000 | $401 | 5/4 | 4,363 | 134 | 0.2 |
| 13643 Marsh Harbor Drive N, Jacksonville, FL 32225Listed by LANDBRIDGE REALTY GROUP LLC | Oct 2025 | $925,000 | $255 | 5/4 | 3,628 | 12 | 0.2 |
| 1037 Shipwatch Drive E, Jacksonville, FL 32225Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $1,800,000 | $374 | 4/4.5 | 4,818 | 150 | 0.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines