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This home is in Jacksonville — a waterfront home in Jacksonville.

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Active Under Contract

Active Under Contract·98 days on market

5327 Racoon Ridge Court

Jacksonville, FL 32258

$373,000$240/sqftEst. $1,902/moMLS# 2142204

Beds

Baths

1,551

Sq Ft

1985

Built

Garage

Pool

About this home

Jacksonville

Peaceful Living on Nearly Half an Acre with Lake & Preserve Views! Welcome to this well-maintained home tucked away on a private lot offering beautiful water and preserve views. Enjoy outdoor living in the fully fenced backyard complete with a patio, shed, and plenty of space to relax or entertain. Major updates include a 5-year-old roof (20-year shingle), new hardie board siding, newer windows & a 4-year-old septic system, along with added blown-in insulation for energy efficiency. The home has been repiped and shows true pride of ownership, with a pre-listing inspection already completed. Inside, the primary suite features an updated walk in shower (no tub). A rare combination of privacy, space, and thoughtful upkeep--this property is move-in ready with room to make it your own. Professional photos coming next week!

Cost to own

Mortgage calculator

Home Price

$373,000

Down Payment: 20%

$74,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,902

Principal & Interest: $1,902

Property taxes (est.): $609

Insurance (est.): $249

Estimated Total Monthly

$2,760

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,902

Property taxesest. at asking price, Duval County$609

Estimated total, before insurance$2,511/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,865/yr · $155/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	$274,824	$55,830	▲ $6,371
2024	$268,709	$52,140	—
2023	$272,782	$47,709	▲ $38,691
2022	$226,273	$93,407	▲ $17,733
2021	$181,436	$89,231	—
2020	$174,103	$87,309	▲ $6,061

2025 property taxes (current owner): $1,865/yr

Estimated taxes if purchased at asking price: ~$7,300/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 1985)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,633 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

Jul 20, 2026Active Under Contract$373,000
Apr 27, 2026Listed$373,000

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

Features

Price$373,000

Price / Sq Ft$240

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,551

Acres0.56 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address5327 Racoon Ridge Court, Jacksonville, FL 32258

Area014-Mandarin

SubdivisionJulington Crossing

CityJacksonville

CountyDuval

StateFL

Zip Code32258

Lot Size24,393.6 sq ft

Parcel Number1583201524

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Protected Preserve, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Window FeaturesSkylight(s)