This home is in Jacksonville — a waterfront home in Jacksonville.
Sold·Closed Jul 31, 2026·45 days on market·Recent sales in Jacksonville
5135 Pirates Cove Road
Jacksonville, FL 32210
About this home
Jacksonville
**multiple offer notice. Highest & best due Tuesday 6/16 at 5:00** Wake up to tranquil water views in this beautifully updated waterfront retreat overlooking Pirates Cove. This spacious home offers 3 large bedrooms, 3 full baths and 1 half bath, along with a dedicated office perfectly positioned to capture serene water vistas--an inspiring space for work or relaxation. Designed with flexibility in mind, the home features two versatile bonus areas: one just off the living room and a generous downstairs space complete with a full bath and large laundry room. This lower-level area can easily serve as a 4th bedroom, private guest suite, home gym, or media room. The interior showcases gorgeous hardwood floors throughout and a thoughtfully updated kitchen and bathrooms, blending modern style with everyday comfort. An oversized 2-car garage provides ample storage. Step outside to the beautiful backyard, where a sparkling pool overlooks the tranquil waters of Pirates Cove.
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 (that applies to the reference bill above too).
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 (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: material not specified — year not disclosed (home built 1955)
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: ~1,652 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: $1,150,000 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $999,019 | $999,019 | — |
| 2024 | $949,029 | $949,029 | ▼ $2,602 |
| 2023 | $971,934 | $971,934 | — |
| 2022 | $811,562 | $789,686 | — |
| 2021 | $717,897 | $717,897 | — |
| 2020 | $667,702 | $667,702 | — |
2025 property taxes (current owner): $18,138/yr
Estimated taxes if purchased at asking price: ~$32,400/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
- Aug 1, 2026Closed$1,690,000
- May 21, 2026Listed$1,690,000
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 $309/sq ft; this home is listed at $544/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4325 Venetia Boulevard, Jacksonville, FL 32210Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jun 2026 | $2,800,000 | $777 | 3/4 | 3,605 | 5 | 0.2 |
| 4268 Venetia Boulevard, Jacksonville, FL 32210Listed by JANIE BOYD & ASSOCIATES REAL ESTATE SERVICES LLC | Sep 2026 | $1,025,000 | $345 | 4/2.5 | 2,972 | 64 | 0.3 |
| 4936 Ortega Boulevard, Jacksonville, FL 32210Listed by NON MLS (realMLS) | May 2026 | $705,000 | $309 | 3/2 | 2,281 | 0 | 0.4 |
| 4727 Carlisle Road, Jacksonville, FL 32210Listed by CASTLEWISE REALTY GROUP, LLC. | Aug 2026 | $595,000 | $270 | 4/3 | 2,200 | 26 | 0.7 |
| 4656 Iroquois Avenue, Jacksonville, FL 32210Listed by NORVILLE REALTY INC | Dec 2025 | $605,000 | $227 | 4/3.5 | 2,662 | 6 | 0.8 |
| 4768 Queen Lane, Jacksonville, FL 32210Listed by WATSON REALTY CORP | Jun 2026 | $480,000 | $198 | 3/2.5 | 2,422 | 125 | 0.9 |
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
Additional Information
Listing Courtesy of: MILLER & COMPANY REAL ESTATE
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 31, 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?
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