This home is in Isle of Palms, Jacksonville.

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Active·79 days on market·Isle of Palms

14803 Plumosa Drive

Jacksonville, FL 32250

$1,825,000$842/sqftEst. $9,713/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

$1,825,000

Down Payment: 20%

$365,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$9,219

Principal & Interest: $9,219

Est. Taxes & Insurance: $2,305

Estimated Total Monthly

$11,523

*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$9,713

Property taxesest. at asking price, Duval County$2,980

Estimated total, before insurance$12,693/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	$1,087,538	$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: ~$35,800/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

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