Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Isle of Palms, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·108 days on market·Isle of Palms

14803 Plumosa Drive

Jacksonville, FL 32250

$1,725,000$796/sqftEst. $8,877/moMLS# 2142217

Beds

Baths

2,167

Sq Ft

1963

Built

Garage

Yes

Pool

About this home

Isle of Palms

Waterfront living in highly sought after Isle of Palms. Beautifully maintained 3BR 2BA pool home with 2207 sq ft of open living space designed for relaxing and entertaining. Enjoy private natural waterway setting with breathtaking open water views offering both sunrise and sunset. Very private lot. Features include saltwater pool, private boat dock with 13000 lb lift, floating dock, concrete summer kitchen, bar and fire pit, turf bocce court, private golf tee box, Bullfrog 6 person hot tub, Sonos surround sound and spacious living areas. Rare opportunity for luxury waterfront living. A water tour by boat can be arranged for interested buyers! Check out the view on our IG @icwsunsets

Cost to own

Mortgage calculator

Home Price

$1,725,000

Down Payment: 20%

$345,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$8,877

Principal & Interest: $8,877

Property taxes (est.): $2,817

Insurance (est.): $1,150

Estimated Total Monthly

$12,844

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$8,877

Property taxesest. at asking price, Duval County$2,817

Estimated total, before insurance$11,694/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,333/yr · $1,028/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	$1,087,538	$664,343	—
2024	$995,568	$644,913	▼ $1,151
2023	$974,923	$624,673	▲ $210,635
2022	$655,023	$605,023	▲ $28,643
2021	$580,062	$580,062	—
2020	$557,352	$557,352	▲ $12,553

2025 property taxes (current owner): $12,333/yr

Estimated taxes if purchased at asking price: ~$33,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1963)

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

Likely septic · Public water · JEA

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: ~1,773 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