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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

14603 Plumosa Drive

Jacksonville, FL 32250

$1,749,000$448/sqftEst. $8,992/moMLS# 2142986

Beds

Baths

3,901

Sq Ft

1964

Built

Garage

Yes

Pool

About this home

Isle of Palms

OPEN HOUSE 5/16 11 AM - 2 PM. Beautiful waterfront home with navigable water access in the highly sought-after Isle of Palms community. Designed to maximize water views from nearly every room, this light-filled home offers spacious open living areas, vaulted kitchen ceilings, and seamless indoor-outdoor living perfect for entertaining and everyday comfort. The expansive backyard features a pool with paver deck, screened-in patio, fire pit area, and abundant green space with plenty of room to relax and enjoy the waterfront lifestyle. Spacious primary suite includes dual sinks, a soaking tub, glass-enclosed shower, and walk-in closet. Generously sized bedrooms and abundant closet/storage space can be found throughout the home. Additional features include two flex spaces, oversized laundry/mudroom, circular driveway, 2-car garage, and a 2020 addition. Ideally located just minutes from beaches, Mayo Clinic, shopping, dining, and entertainment.

Cost to own

Mortgage calculator

Home Price

$1,749,000

Down Payment: 20%

$349,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$8,992

Principal & Interest: $8,992

Property taxes (est.): $2,856

Insurance (est.): $1,166

Estimated Total Monthly

$13,013

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$8,992

Property taxesest. at asking price, Duval County$2,856

Estimated total, before insurance$11,847/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,420/yr · $1,202/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	$1,062,935	$723,915	—
2024	$983,057	$702,806	▼ $765
2023	$949,098	$680,880	—
2022	$879,449	$659,593	▲ $12,267
2021	$583,297	$418,293	—
2020	$559,570	$411,828	▲ $17,210

2025 property taxes (current owner): $14,420/yr

Estimated taxes if purchased at asking price: ~$34,300/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1964)

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: ~1,758 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

Aug 26, 2026Price change$1,749,000−$50,000
Jul 17, 2026Price change$1,799,000−$50,000
May 13, 2026Listed$1,849,000

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

Features

Price$1,749,000

Price / Sq Ft$448

Bedrooms6

Bathrooms5.00

Full Baths5

Square Footage3,901

Acres0.45 acres

Year Built1964

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

Community Information

Address14603 Plumosa Drive, Jacksonville, FL 32250

Area026-Intracoastal West-South Of Beach Blvd

SubdivisionIsle Of Palms

CityJacksonville

CountyDuval

StateFL

Zip Code32250

Lot Size19,602 sq ft

Parcel Number1771790000

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected, Propane

SewerSeptic Tank

Water SourcePublic

ParkingCircular Driveway, Garage, Off Street

ViewCanal, Water

Waterfront TypeCanal Front, Navigable Water

Interior

Interior FeaturesCeiling Fan(s), Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Ice Maker, Instant Hot Water, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup