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 Beacon Hills Harbor, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·98 days on market·Beacon Hills Harbor

11257 Portside Drive

Jacksonville, FL 32225

$825,000$268/sqftEst. $4,206/moMLS# 2142439

Beds

Baths

3,075

Sq Ft

1971

Built

Garage

Pool

About this home

Beacon Hills Harbor

Waterfront living w/navigable access & modern comfort in this fully updated, move-in ready 4bdrm/3bth home designed for boating, entertaining everyday coastal enjoyment. The thoughtfully upgraded interior features gourmet kitchen, freshly painted soft-close cabinetry, a deep sink, new stainless-steel appliances. Flowing seamlessly into a bright Florida room with a serving area & a spacious bonus room/game room excellent for gatherings. Upstairs owner's suite offers a private retreat with a balcony overlooking the water, a fully remodeled bedroom; sleek en-suite bath w/a designer walk-in shower. A first-floor in-law suite provides flexibility for guests/multi-generational living. Major updates: 2024 new roof, 2022 MERV13 filtration & UV light technology AC systems, 2022 new water heater, updated ductwork, plumbing fresh paint inside and out. Outdoor highlights include a 15x23 paver deck, fruit trees, boatlift, bulk head & dock. No flood insurance required

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,206

Principal & Interest: $4,206

Property taxes (est.): $1,347

Insurance (est.): $550

Estimated Total Monthly

$6,104

*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$4,206

Property taxesest. at asking price, Duval County$1,347

HOAbilled annually$4

Estimated total, before insurance$5,558/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,817/yr · $735/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	$791,392	$487,765	—
2024	$753,821	$473,311	▲ $16,348
2023	$732,459	$458,069	▲ $163,330
2022	$550,202	$443,271	—
2021	$478,904	$428,904	—
2020	$455,445	$244,385	▲ $45,049

2025 property taxes (current owner): $8,817/yr

Estimated taxes if purchased at asking price: ~$16,200/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 1971)

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: ~1,742 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

Apr 29, 2026Listed$825,000

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

Features

Price$825,000

Price / Sq Ft$268

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,075

Total Structure Area4,058 sq ft

Acres0.42 acres

Year Built1971

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryDon Brewer

MiddleLandmark

HighSandalwood

Community Information

Address11257 Portside Drive, Jacksonville, FL 32225

Area042-Ft Caroline

SubdivisionBeacon Hills Harbor

CityJacksonville

CountyDuval

StateFL

Zip Code32225

Lot Size18,295.2 sq ft

Parcel Number1606610038

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewCanal

Waterfront TypeCanal Front, Navigable Water, No Fixed Bridges, Ocean Access

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub

AppliancesConvection Oven, Dishwasher, Dryer, Electric Oven, Electric Range, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Microwave, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringMarble, Stone, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Spa FeaturesHeated, Above Ground, Private