This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 28, 2026·66 days on market·Recent sales in Jacksonville
1124 Victory Lake Dr. Drive
Jacksonville, FL 32221
About this home
Jacksonville
Move-in ready all brick two story home, perfectly positioned on a desirable corner lot with peaceful water views. Recent updates include new water heaters, toilets, AC & new well for irrigation. Once inside you will step into a grand foyer with soaring ceilings & a formal living room (or home office) & formal dining room on either side. The open concept layout flows seamlessly from the large inviting family room to the spacious eat-in kitchen that features a food prep island, tile backsplash and ample cabinet space. Right off the kitchen is a flex space making a great play room or home gym. Upstairs you'll find all 4 bedrooms including a spacious primary suite. Enjoy Florida living at its best in the fully fenced backyard complete with a paver patio, privacy headging, and a mature loquat tree adding both beauty and character. With custom plantation shutters throughout & a side entry 2 car garage with additional driveway space, this home checks every bo
Next steps in Jacksonville
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.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2003)
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: ~1,741 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.
Cost to own
Taxes & assessment
Last sold: $575,000 in January 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $499,652 | $243,301 | — |
| 2024 | $442,326 | $235,737 | — |
| 2023 | $459,296 | $227,415 | — |
| 2022 | $419,805 | $340,435 | — |
| 2021 | $309,487 | $309,487 | — |
| 2020 | $286,918 | $286,918 | — |
Estimated taxes if purchased at asking price: ~$13,000/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
- Jul 28, 2026Closed$685,000
- Apr 30, 2026Listed$685,000
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 $152/sq ft; this home is listed at $201/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1024 Morning Stroll Lane, Jacksonville, FL 32221Listed by BRANDYWINE HOMES USA LLC | Aug 2026 | $580,000 | $222 | 4/3 | 2,611 | 7 | 0.3 |
| 9286 Thunderbolt Court, Jacksonville, FL 32221Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $415,000 | $138 | 5/3 | 2,999 | 120 | 1.1 |
| 998 Fox Chapel Lane, Jacksonville, FL 32221Listed by KELLER WILLIAMS FIRST COAST REALTY | Jun 2026 | $349,000 | $97 | 5/3 | 3,582 | 149 | 1.2 |
| 1032 Deer Spring Drive, Jacksonville, FL 32221Listed by HEAVENER REALTY, LLC | Oct 2026 | $424,900 | $146 | 5/3 | 2,909 | 12 | 1.5 |
| 1254 McGirts Creek Drive, Jacksonville, FL 32221Listed by EXP REALTY LLC | Jul 2026 | $389,000 | $152 | 4/2 | 2,552 | 7 | 2.1 |
| 1393 Perth Road, Jacksonville, FL 32221Listed by BEYCOME OF FLORIDA LLC | Sep 2026 | $525,500 | $221 | 4/3 | 2,383 | 18 | 2.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM 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.
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Krista Fracke
Broker Associate
This home sold on Jul 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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